Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,239Fees | 0.043%Above | 5,664 | |
2 | MORTGAGE INVESTORS GROUP, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,627Fees | 0.221%Above | 3,320 | |
3 | First Horizon BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,604Fees | 0.088%Above | 891 | |
4 | FirstBankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,165Fees | 0.231%Above | 1,926 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,893Fees | 0.189%Above | 1,333 | |
6 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,631Fees | 0.067%Below | 1,245 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $868Fees | 0.543%Below | 845 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,838Fees | 0.092%Above | 579 | |
9 | Old National BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,189Fees | 0.075%Above | 466 | |
10 | Ameris BankBank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,263Fees | 0.270%Above | 391 | |
11 | Fifth Third Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $955Fees | 0.103%Above | 256 | |
12 | INTERLINC MORTGAGE SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Strong | $2,842Fees | 0.275%Above | 197 | |
13 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,864Fees | 0.278%Above | 195 | |
14 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,492Fees | 0.344%Above | 3,095 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,986Fees | 0.291%Above | 2,263 | |
16 | Pinnacle BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,351Fees | 0.075%Above | 1,277 | |
17 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,314Fees | 0.322%Above | 945 | |
18 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,405Fees | 0.145%Above | 803 | |
19 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,203Fees | 0.237%Above | 646 | |
20 | Patriot BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,307Fees | 0.022%Below | 400 | |
21 | The First National Bank of Middle TennesseeBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,553Fees | 0.193%Above | 371 | |
22 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,097Fees | 0.583%Above | 330 | |
23 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,981Fees | 0.414%Above | 226 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,697Fees | 0.045%Above | 1,377 | |
25 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,968Fees | 0.042%Above | 970 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,259Fees | 0.321%Above | 559 | |
27 | Renasant BankBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,823Fees | 0.185%Above | 516 | |
28 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,928Fees | 0.171%Below | 381 | |
29 | United Community BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,082Fees | 0.398%Above | 264 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,879Fees | 0.329%Above | 195 | |
31 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,302Fees | 0.298%Above | 7,212 | |
32 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,431Fees | 0.321%Above | 2,186 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,843Fees | 0.393%Above | 1,245 | |
34 | Legacy Home Loans, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,996Fees | 0.144%Above | 1,242 | |
35 | Leaders Credit UnionCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,074Fees | 0.308%Above | 727 | |
36 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,254Fees | 0.049%Above | 681 | |
37 | Primis Mortgage CompanyIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,470Fees | 0.345%Above | 649 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,587Fees | 0.304%Above | 624 | |
39 | Truist BankBank | Strong | Strong | Strong | Sound | Strong | $1,080Fees | 0.138%Above | 510 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,344Fees | 0.400%Above | 416 | |
41 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,566Fees | 0.301%Above | 349 | |
42 | Legends BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,687Fees | 0.107%Above | 342 | |
43 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,358Fees | 0.279%Above | 261 | |
44 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $143Fees | 0.108%Above | 209 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,642Fees | 0.471%Above | 186 | |
46 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,961Fees | 0.546%Above | 2,392 | |
47 | Regions BankBank | Strong | Sound | Strong | Sound | Exceptional | $1,655Fees | 0.392%Above | 1,429 | |
48 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,468Fees | 0.584%Above | 1,205 | |
49 | COMMUNITY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,874Fees | 0.231%Above | 891 | |
50 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Strong | $2,279Fees | 0.081%Above | 449 |
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.