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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,639 | -0.113% | 677 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,279 | -0.072% | 631 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,125 | +0.097% | 461 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015 | -0.517% | 397 | |
6 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $422 | -0.117% | 175 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,732 | +0.065% | 6,943 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,973 | +0.327% | 4,582 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176 | +0.050% | 1,968 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,727 | -0.062% | 1,526 | |
11 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
12 | TEXAS MORTGAGE LENDING, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,086 | +0.150% | 265 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,721 | +0.006% | 628 | |
14 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,250 | +0.306% | 283 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.379% | 1,139 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,916 | +0.440% | 368 | |
18 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,908 | +0.268% | 237 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,393 | +0.388% | 910 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,364 | +0.163% | 669 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
22 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,376 | +0.363% | 584 | |
23 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Strong | $2,916 | -0.050% | 470 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
25 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,630 | +0.268% | 403 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
27 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.151% | 290 | |
28 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,623 | +0.356% | 193 | |
29 | SFMC, LP | Strong | Acceptable | Strong | Sound | Exceptional | $4,450 | +0.340% | 1,257 | |
30 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,270 | +0.236% | 1,138 | |
31 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,695 | +0.445% | 1,083 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Exceptional | $4,872 | +0.320% | 837 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,612 | +0.542% | 386 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,164 | +0.350% | 288 | |
35 | Prosperity Bank | Strong | Acceptable | Exceptional | Sound | Strong | $984 | +1.093% | 275 | |
36 | First Bank | Strong | Acceptable | Strong | Strong | Strong | $3,821 | +0.255% | 230 | |
37 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,714 | +0.203% | 180 | |
38 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,376 | +0.453% | 1,549 | |
39 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,583 | +0.134% | 345 | |
40 | The American National Bank of Texas | Strong | Acceptable | Strong | Sound | Strong | $4,264 | +0.158% | 246 | |
41 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Sound | Strong | $3,163 | +0.276% | 167 | |
42 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,486 | +0.156% | 323 | |
43 | First Financial Bank, National Association | Sound | Mediocre | Strong | Strong | Strong | $1,354 | +0.586% | 283 | |
44 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | Strong | $4,964 | +0.571% | 173 |
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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