Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $751Credit | 0.884%Below | 501 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,005Fees | 0.052%Below | 219 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,873Fees | 0.003%Above | 206 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,374Fees | 0.035%Below | 182 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $805Fees | 0.527%Below | 398 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,336Fees | 0.115%Above | 326 | |
7 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $697Fees | 0.064%Above | 257 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,399Fees | 0.235%Above | 4,381 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,496Fees | 0.256%Above | 2,421 | |
10 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $591Fees | 0.088%Above | 74 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,883Fees | 0.034%Above | 524 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,431Fees | 0.162%Above | 479 | |
13 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,215Fees | 0.111%Above | 413 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,356Fees | 0.185%Above | 402 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,728Fees | 0.445%Above | 278 | |
16 | MIDFLORIDACredit Union | Strong | Strong | Strong | Sound | Strong | $1,180Fees | 0.007%Below | 128 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956Fees | 0.467%Above | 717 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,943Fees | 0.321%Below | 564 | |
19 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,548Fees | 0.743%Above | 159 | |
20 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,304Fees | 0.279%Above | 144 | |
21 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,217Fees | 0.049%Above | 112 | |
22 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,170Fees | 0.286%Above | 107 | |
23 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,698Fees | 0.298%Above | 236 | |
24 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,820Fees | 0.331%Above | 254 | |
25 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,291Fees | 0.435%Above | 174 |
Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.
Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.