Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Exceptional | $1,581 | +0.097% | 1,017 | |
2 | CREDIT UNION 1 Credit Union | Exceptional | Exceptional | Sound | Strong | $2,590 | -0.196% | 110 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $793 | -0.567% | 100 | |
4 | RESIDENTIAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,934 | +0.072% | 1,318 | |
5 | NBKC BANK | Strong | Exceptional | Sound | Sound | $1,097 | -0.233% | 59 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,482 | +0.095% | 260 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,917 | +0.236% | 97 | |
8 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,733 | +0.112% | 27 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,213 | +0.360% | 141 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,057 | +0.229% | 138 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,072 | +0.199% | 50 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,539 | +0.359% | 409 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,635 | +0.068% | 248 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,181 | -0.055% | 177 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,117 | -0.016% | 119 | |
16 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,344 | -0.204% | 98 | |
17 | NuVision Federal Credit Union | Strong | Sound | Sound | Strong | $3,226 | -0.087% | 71 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $5,652 | -0.096% | 66 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,952 | -0.382% | 45 | |
20 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,557 | +0.310% | 713 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $676 | +0.450% | 331 | |
22 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,793 | +0.074% | 199 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,875 | +0.089% | 184 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,589 | +0.035% | 88 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,486 | +0.341% | 36 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,086 | +0.274% | 35 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,989 | -0.681% | 21 | |
28 | First National Bank Alaska | Sound | Acceptable | Sound | Strong | $4,772 | +0.015% | 152 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,459 | +0.083% | 63 | |
30 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,580 | +0.120% | 42 | |
31 | Plains Commerce Bank | Sound | Acceptable | Strong | Sound | $3,438 | +0.206% | 36 | |
32 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,213 | +0.339% | 32 | |
33 | North American Savings Bank, F.S.B. | Sound | Sound | Acceptable | Sound | $977 | -0.205% | 28 | |
34 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $4,202 | -0.013% | 25 | |
35 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,133 | +0.344% | 24 | |
36 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,829 | +0.280% | 24 | |
37 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,484 | +0.113% | 85 | |
38 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $6,138 | +0.445% | 50 | |
39 | MATANUSKA VALLEY FEDERAL CREDIT UNION | Sound | Acceptable | Acceptable | Strong | $2,086 | +0.484% | 44 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,003 | +0.409% | 38 | |
41 | TRUE NORTH FEDERAL CREDIT UNION | Sound | Acceptable | Acceptable | Strong | $4,061 | +0.239% | 33 | |
42 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Sound | $4,313 | -0.027% | 45 | |
43 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $4,690 | +0.449% | 28 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $2,792 | +0.286% | 24 | |
45 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $4,111 | +0.425% | 38 | |
46 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,908 | +0.813% | 23 |
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.
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