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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Global Federal Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,581 | +0.097% | 1,017 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $793 | -0.567% | 100 | |
3 | RESIDENTIAL MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,934 | +0.072% | 1,318 | |
4 | CREDIT UNION 1 Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $2,590 | -0.196% | 110 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,917 | +0.236% | 97 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $1,097 | -0.233% | 59 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,733 | +0.112% | 27 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,213 | +0.360% | 141 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,539 | +0.359% | 409 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,482 | +0.095% | 260 | |
11 | NuVision Federal Credit Union | Strong | Strong | Sound | Sound | Strong | $3,226 | -0.087% | 71 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,072 | +0.199% | 50 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,202 | -0.013% | 25 | |
14 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,557 | +0.310% | 713 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.068% | 248 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,875 | +0.089% | 184 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $5,181 | -0.055% | 177 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,057 | +0.229% | 138 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,117 | -0.016% | 119 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,484 | +0.113% | 85 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,952 | -0.382% | 45 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,344 | -0.204% | 98 | |
23 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,589 | +0.035% | 88 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $5,652 | -0.096% | 66 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,459 | +0.083% | 63 | |
26 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,580 | +0.120% | 42 | |
27 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,438 | +0.206% | 36 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,486 | +0.341% | 36 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,086 | +0.274% | 35 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,213 | +0.339% | 32 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,133 | +0.344% | 24 | |
32 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,829 | +0.280% | 24 | |
33 | MEMBER FIRST MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $3,068 | +0.173% | 16 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $676 | +0.450% | 331 | |
35 | CORNERSTONE CAPITAL BANK, SSB | Strong | Mediocre | Exceptional | Strong | Strong | $4,793 | +0.074% | 199 | |
36 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,313 | -0.027% | 45 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,003 | +0.409% | 38 | |
38 | First National Bank Alaska | Sound | Acceptable | Sound | Sound | Strong | $4,772 | +0.015% | 152 | |
39 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,690 | +0.449% | 28 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,792 | +0.286% | 24 | |
41 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,052 | +0.418% | 15 | |
42 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $6,138 | +0.445% | 50 | |
43 | MATANUSKA VALLEY FEDERAL CREDIT UNION | Sound | Acceptable | Acceptable | Acceptable | Strong | $2,086 | +0.484% | 44 | |
44 | TRUE NORTH FEDERAL CREDIT UNION | Sound | Acceptable | Acceptable | Acceptable | Strong | $4,061 | +0.239% | 33 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | 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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