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 | Strong | Exceptional | Exceptional | $1,581 | +0.097% | 1,017 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,482 | +0.095% | 260 | |
3 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,793 | +0.074% | 199 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $793 | -0.567% | 100 | |
5 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,097 | -0.233% | 59 | |
6 | RESIDENTIAL MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,934 | +0.072% | 1,318 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,057 | +0.229% | 138 | |
8 | North American Savings Bank, F.S.B. | Exceptional | Exceptional | Strong | Strong | Sound | $977 | -0.205% | 28 | |
9 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,557 | +0.310% | 713 | |
10 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,635 | +0.068% | 248 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,181 | -0.055% | 177 | |
12 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,344 | -0.204% | 98 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $5,652 | -0.096% | 66 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,952 | -0.382% | 45 | |
15 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,829 | +0.280% | 24 | |
16 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,875 | +0.089% | 184 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,213 | +0.360% | 141 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,072 | +0.199% | 50 | |
19 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $4,086 | +0.274% | 35 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,539 | +0.359% | 409 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,917 | +0.236% | 97 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.120% | 42 | |
23 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,438 | +0.206% | 36 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,202 | -0.013% | 25 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $4,133 | +0.344% | 24 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,989 | -0.681% | 21 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $676 | +0.450% | 331 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,117 | -0.016% | 119 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,486 | +0.341% | 36 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,792 | +0.286% | 24 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,459 | +0.083% | 63 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,213 | +0.339% | 32 | |
33 | LAKEVIEW LOAN SERVICING, LLC | Strong | Sound | Strong | Sound | Sound | $321 | +0.102% | 15 | |
34 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,589 | +0.035% | 88 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,484 | +0.113% | 85 | |
36 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,138 | +0.445% | 50 | |
37 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,313 | -0.027% | 45 | |
38 | First National Bank Alaska | Sound | Acceptable | — | Sound | Strong | $4,772 | +0.015% | 152 | |
39 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $4,111 | +0.425% | 38 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,003 | +0.409% | 38 |
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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