Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES'Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,148Fees | 0.710%Below | 633 | |
2 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $846Fees | 0.157%Above | 243 | |
3 | ALLEGACY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $175Credit | 0.294%Below | 186 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $455Fees | 0.591%Below | 66 | |
5 | First BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,467Fees | 0.018%Below | 35 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $750Fees | 0.195%Above | 179 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,314Fees | 0.054%Above | 64 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,825Fees | 0.019%Below | 26 | |
9 | Truliant Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $894Fees | 0.250%Above | 152 | |
10 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,993Fees | 0.075%Above | 133 | |
11 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,630Fees | 0.190%Above | 44 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,963Fees | 0.424%Above | 792 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,605Fees | 0.460%Above | 604 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,827Fees | 0.011%Above | 240 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,146Fees | 0.139%Above | 129 | |
16 | Ameris BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,598Fees | 0.269%Above | 78 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,954Fees | 0.252%Above | 76 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,939Fees | 0.199%Above | 75 | |
19 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,044Fees | 0.382%Above | 58 | |
20 | American Security Mortgage Corp.Independent Mortgage Company | Strong | Strong | Strong | Strong | Sound | $2,511Fees | 0.164%Above | 23 | |
21 | CREDIT UNION MORTGAGE ASSOCIATION, INC.Independent Mortgage Company | Strong | Exceptional | Strong | Acceptable | Sound | $897Fees | 0.867%Below | 22 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,175Fees | 0.531%Above | 363 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,637Fees | 0.365%Above | 353 | |
24 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,357Fees | 0.157%Above | 265 | |
25 | Pinnacle BankBank | Strong | Sound | Strong | Strong | Strong | $1,931Fees | 0.152%Above | 87 | |
26 | Piedmont Federal Savings BankBank | Strong | Strong | Sound | Sound | Strong | $494Fees | 0.070%Above | 72 | |
27 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,571Fees | 0.257%Below | 54 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,855Fees | 0.296%Above | 31 | |
29 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,984Fees | 0.215%Above | 29 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,000Fees | 0.359%Above | 28 | |
31 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,747Fees | 0.152%Above | 24 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $4,057Fees | 0.259%Above | 19 | |
33 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,568Fees | 0.528%Above | 169 | |
34 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,333Fees | 0.247%Above | 159 | |
35 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,709Fees | 0.435%Above | 159 | |
36 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,726Fees | 0.589%Above | 131 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,080Fees | 0.292%Above | 115 | |
38 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,400Fees | 0.256%Above | 94 | |
39 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Strong | $1,685Fees | 0.034%Above | 84 | |
40 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,437Fees | 0.429%Above | 63 | |
41 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,050Fees | 0.607%Above | 59 | |
42 | The Fidelity BankBank | Strong | Sound | Sound | Strong | Strong | $2,256Fees | 0.310%Above | 54 | |
43 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,606Fees | 0.116%Above | 36 | |
44 | INSPIRE HOME LOANS INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,141Fees | 0.638%Above | 86 | |
45 | CANOPY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,185Fees | 0.382%Above | 55 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,463Fees | 0.664%Above | 54 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,917Fees | 0.374%Above | 47 | |
48 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,105Fees | 0.505%Above | 44 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,838Fees | 0.634%Above | 30 | |
50 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,803Fees | 0.410%Above | 30 |
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.