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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $508 | -0.585% | 1,099 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $363 | -0.483% | 109 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$612 | -0.112% | 874 | |
4 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $685 | -0.379% | 183 | |
5 | Bank-Fund Staff Federal Credit Union | Exceptional | Exceptional | Sound | Strong | -$1,079 | -0.092% | 157 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $777 | -0.173% | 126 | |
7 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | -$52 | -0.302% | 125 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,550 | -0.050% | 1,896 | |
9 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $3,058 | +0.027% | 1,561 | |
10 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,989 | +0.020% | 1,308 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $4,138 | +0.055% | 448 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $145 | -0.158% | 373 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,534 | -0.212% | 301 | |
14 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$130 | -0.131% | 243 | |
15 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $893 | -0.146% | 205 | |
16 | Apple Federal Credit Union | Strong | Strong | Strong | Strong | $2,584 | -0.071% | 181 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$11 | -0.039% | 145 | |
18 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Strong | $2,853 | -0.644% | 101 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,310 | -0.189% | 685 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,315 | -0.062% | 595 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,805 | -0.129% | 426 | |
22 | United Bank | Strong | Sound | Strong | Exceptional | $2,406 | -0.048% | 390 | |
23 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Exceptional | $3,070 | +0.204% | 288 | |
24 | United Nations Federal Credit Union | Strong | Strong | Sound | Strong | -$1,578 | -0.454% | 149 | |
25 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $911 | +0.343% | 80 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,840 | +0.124% | 2,492 | |
27 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,985 | +0.098% | 1,682 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,468 | +0.058% | 1,098 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,406 | -0.033% | 949 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,874 | +0.184% | 883 | |
31 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,158 | +0.258% | 547 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,864 | +0.012% | 451 | |
33 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,227 | +0.020% | 445 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,911 | -0.295% | 442 | |
35 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,266 | +0.004% | 297 | |
36 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,330 | -0.094% | 190 | |
37 | Sandy Spring Bank | Strong | Sound | Strong | Strong | $2,231 | +0.095% | 147 | |
38 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $2,433 | +0.055% | 118 | |
39 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,500 | +0.248% | 96 | |
40 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,018 | +0.178% | 790 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,826 | +0.099% | 662 | |
42 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,161 | +0.073% | 459 | |
43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,564 | +0.079% | 391 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,396 | +0.336% | 263 | |
45 | JAMS-01, INC. | Strong | Acceptable | Strong | Exceptional | $3,497 | +0.021% | 249 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,264 | +0.435% | 226 | |
47 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $4,059 | +0.372% | 224 | |
48 | Towne Bank | Strong | Acceptable | Exceptional | Strong | $3,027 | -0.020% | 160 | |
49 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,187 | +0.090% | 156 | |
50 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,172 | +0.306% | 124 |
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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