Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $417Fees | 0.321%Above | 586 | |
2 | First Heritage Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,951Fees | 0.098%Above | 175 | |
3 | First National Bank of PennsylvaniaBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,309Fees | 0.150%Above | 79 | |
4 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,769Fees | 0.053%Above | 565 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,564Fees | 0.346%Above | 467 | |
6 | INTERCOASTAL MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,700Fees | 0.167%Above | 223 | |
7 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,285Fees | 0.449%Above | 122 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,974Fees | 0.263%Above | 642 | |
9 | Truist BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,487Fees | 0.238%Above | 366 | |
10 | United BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,601Fees | 0.179%Above | 164 | |
11 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,321Fees | 0.363%Above | 91 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Strong | $3,413Fees | 0.475%Below | 82 | |
13 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,027Fees | 0.561%Above | 77 | |
14 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,357Fees | 0.247%Above | 50 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,539Fees | 0.585%Above | 1,554 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,401Fees | 0.367%Above | 417 | |
17 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,087Fees | 0.192%Above | 102 | |
18 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $2,392Fees | 0.373%Above | 75 | |
19 | RMC HOME MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,444Fees | 0.064%Above | 49 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,559Fees | 0.527%Above | 662 | |
21 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,298Fees | 0.521%Above | 414 | |
22 | HOMESPIRE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,233Fees | 0.236%Above | 309 | |
23 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970Fees | 0.637%Above | 270 | |
24 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,008Fees | 0.260%Above | 193 | |
25 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,158Fees | 0.723%Above | 175 | |
26 | Atlantic Union BankBank | Strong | Sound | Strong | Strong | Strong | $1,856Fees | 0.590%Above | 148 | |
27 | Peoples BankBank | Strong | Strong | Sound | Sound | Strong | $1,249Fees | 0.239%Above | 147 | |
28 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,930Fees | 0.643%Above | 114 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,355Fees | 0.513%Above | 97 | |
30 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,656Fees | 0.857%Above | 554 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,059Fees | 0.421%Above | 199 | |
32 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,335Fees | 0.738%Above | 184 | |
33 | VICTORIAN FINANCE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,915Fees | 0.204%Above | 166 | |
34 | Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,613Fees | 0.441%Above | 101 | |
35 | STOCKTON MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,681Fees | 0.871%Above | 77 | |
36 | C & F Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,139Fees | 0.481%Above | 47 | |
37 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,756Fees | 0.402%Above | 43 | |
38 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,012Fees | 0.649%Above | 36 | |
39 | MILLENNIUM FINANCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $2,471Fees | 0.390%Above | 35 | |
40 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,291Fees | 0.797%Above | 91 | |
41 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,870Fees | 0.213%Above | 52 | |
42 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,134Fees | 0.525%Above | 50 | |
43 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,956Fees | 0.468%Above | 45 | |
44 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,919Fees | 0.993%Above | 44 | |
45 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,966Fees | 0.886%Above | 42 | |
46 | MORTGAGE SOLUTIONS OF COLORADO, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,891Fees | 1.108%Above | 31 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,364Fees | 0.729%Above | 227 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,395Fees | 0.841%Above | 85 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,986Fees | 0.665%Above | 49 | |
50 | TIDEWATER MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,112Fees | 0.386%Above | 36 |
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.