Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,405Fees | 0.145%Above | 803 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,279Fees | 0.081%Above | 449 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,896Fees | 0.081%Below | 405 | |
4 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,893Fees | 0.189%Above | 1,333 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $868Fees | 0.543%Below | 845 | |
6 | ASCEND FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $577Fees | 0.678%Below | 457 | |
7 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,080Fees | 0.138%Above | 510 | |
8 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,189Fees | 0.075%Above | 466 | |
9 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $955Fees | 0.103%Above | 256 | |
10 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $143Fees | 0.108%Above | 209 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,302Fees | 0.298%Above | 7,212 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,239Fees | 0.043%Above | 5,664 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,492Fees | 0.344%Above | 3,095 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986Fees | 0.291%Above | 2,263 | |
15 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,165Fees | 0.231%Above | 1,926 | |
16 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,655Fees | 0.392%Above | 1,429 | |
17 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,631Fees | 0.067%Below | 1,245 | |
18 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,203Fees | 0.237%Above | 646 | |
19 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,697Fees | 0.045%Above | 1,377 | |
20 | Legacy Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,996Fees | 0.144%Above | 1,242 | |
21 | EASTMAN CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,644Fees | 0.477%Above | 1,026 | |
22 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,968Fees | 0.042%Above | 970 | |
23 | Renasant BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,823Fees | 0.185%Above | 516 | |
24 | First Citizens National BankBank | Strong | Strong | — | Sound | Exceptional | $1,042Fees | 0.024%Below | 291 | |
25 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,627Fees | 0.221%Above | 3,320 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,843Fees | 0.393%Above | 1,245 | |
27 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468Fees | 0.584%Above | 1,205 | |
28 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,604Fees | 0.088%Above | 891 | |
29 | Leaders Credit UnionCredit Union | Strong | Sound | — | Strong | Exceptional | $1,074Fees | 0.308%Above | 727 | |
30 | Legends BankBank | Strong | Sound | — | Strong | Exceptional | $2,687Fees | 0.107%Above | 342 | |
31 | SmartBankBank | Strong | Sound | Strong | Strong | Strong | $1,241Fees | 0.194%Above | 245 | |
32 | Ameris BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,263Fees | 0.270%Above | 391 | |
33 | Home Federal Bank of TennesseeBank | Strong | Acceptable | Strong | Strong | Exceptional | $3,817Fees | 0.364%Below | 367 | |
34 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,358Fees | 0.279%Above | 261 | |
35 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,254Fees | 0.049%Above | 681 | |
36 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,293Fees | 0.392%Above | 652 | |
37 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,470Fees | 0.345%Above | 649 | |
38 | LibertyCredit Union | Strong | Acceptable | Strong | Strong | Strong | $1,881Fees | 0.526%Above | 286 | |
39 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $3,431Fees | 0.321%Above | 2,186 | |
40 | Pinnacle BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,351Fees | 0.075%Above | 1,277 | |
41 | WILSON BANK AND TRUSTBank | Strong | Mediocre | Strong | Strong | Exceptional | $1,975Fees | 0.298%Above | 560 | |
42 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $6,109Fees | 0.568%Above | 553 | |
43 | ORNLCredit Union | Strong | Mediocre | Strong | Strong | Exceptional | $4,154Fees | 0.048%Below | 527 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,730Fees | 0.408%Above | 399 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,763Fees | 0.425%Above | 600 | |
46 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,566Fees | 0.301%Above | 349 | |
47 | Bank of TennesseeBank | Sound | Acceptable | Sound | Sound | Strong | $2,655Fees | 0.235%Above | 236 | |
48 | Citizens Tri-County BankBank | Sound | Acceptable | — | Sound | Strong | $2,004Fees | 0.205%Above | 232 | |
49 | Simmons BankBank | Sound | Mediocre | Strong | Sound | Strong | $1,688Fees | 0.539%Above | 297 | |
50 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Sound | Mediocre | Strong | $3,754Fees | 0.372%Above | 635 |
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.