Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Old National BankBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,189Fees | 0.075%Above | 466 | |
2 | Patriot BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,307Fees | 0.022%Below | 400 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $868Fees | 0.543%Below | 845 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,405Fees | 0.145%Above | 803 | |
5 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,080Fees | 0.138%Above | 510 | |
6 | ASCEND FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $577Fees | 0.678%Below | 457 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,896Fees | 0.081%Below | 405 | |
8 | First Citizens National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,042Fees | 0.024%Below | 291 | |
9 | LibertyCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,881Fees | 0.526%Above | 286 | |
10 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165Fees | 0.231%Above | 1,926 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697Fees | 0.045%Above | 1,377 | |
12 | EASTMAN CREDIT UNIONCredit Union | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,644Fees | 0.477%Above | 1,026 | |
13 | First Horizon BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,604Fees | 0.088%Above | 891 | |
14 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,874Fees | 0.231%Above | 891 | |
15 | Cadence BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,254Fees | 0.049%Above | 681 | |
16 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,279Fees | 0.081%Above | 449 | |
17 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $955Fees | 0.103%Above | 256 | |
18 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $143Fees | 0.108%Above | 209 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302Fees | 0.298%Above | 7,212 | |
20 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,239Fees | 0.043%Above | 5,664 | |
21 | Pinnacle BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,351Fees | 0.075%Above | 1,277 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,631Fees | 0.067%Below | 1,245 | |
23 | Legacy Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,996Fees | 0.144%Above | 1,242 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,968Fees | 0.042%Above | 970 | |
25 | Leaders Credit UnionCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,074Fees | 0.308%Above | 727 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,838Fees | 0.092%Above | 579 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,259Fees | 0.321%Above | 559 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $2,344Fees | 0.400%Above | 416 | |
29 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,263Fees | 0.270%Above | 391 | |
30 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,627Fees | 0.221%Above | 3,320 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,492Fees | 0.344%Above | 3,095 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,986Fees | 0.291%Above | 2,263 | |
33 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,431Fees | 0.321%Above | 2,186 | |
34 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,655Fees | 0.392%Above | 1,429 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893Fees | 0.189%Above | 1,333 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,843Fees | 0.393%Above | 1,245 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468Fees | 0.584%Above | 1,205 | |
38 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,203Fees | 0.237%Above | 646 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,707Fees | 0.384%Above | 855 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,711Fees | 0.230%Above | 667 | |
41 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,754Fees | 0.372%Above | 635 | |
42 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,823Fees | 0.185%Above | 516 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,481Fees | 0.492%Above | 418 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,730Fees | 0.408%Above | 399 | |
45 | Home Federal Bank of TennesseeBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,817Fees | 0.364%Below | 367 | |
46 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,566Fees | 0.301%Above | 349 | |
47 | TENNESSEE VALLEY FCUCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $3,392Fees | 0.209%Above | 331 | |
48 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,097Fees | 0.583%Above | 330 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,612Fees | 0.434%Above | 308 | |
50 | KNOXVILLE TVA EMPLOYEES CREDIT UNIONCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $3,084Fees | 0.189%Above | 295 |
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.