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 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $2,369 | -0.491% | 672 | |
2 | DELTA COMMUNITY CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $2,413 | -0.434% | 639 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $572 | +0.013% | 898 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $621 | -0.427% | 651 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,275 | -0.098% | 494 | |
6 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,147 | +0.152% | 282 | |
7 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,659 | +0.001% | 257 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
9 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,303 | +0.179% | 2,494 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,604 | -0.254% | 573 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $97 | -0.103% | 238 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,581 | +0.076% | 1,244 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,904 | +0.179% | 932 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,715 | +0.009% | 888 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,070 | -0.054% | 730 | |
18 | Capital City Home Loans, LLC | Strong | Sound | Strong | Exceptional | $2,300 | +0.228% | 347 | |
19 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Exceptional | $1,903 | +0.160% | 323 | |
20 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $3,554 | +0.341% | 230 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,690 | +0.395% | 1,660 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,060 | +0.233% | 985 | |
24 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,689 | +0.348% | 823 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,687 | +0.274% | 626 | |
27 | Regions Bank | Strong | Sound | Strong | Strong | $2,484 | +0.136% | 494 | |
28 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,210 | +0.798% | 469 | |
29 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,436 | +0.167% | 404 | |
30 | Associated Credit Union | Strong | Sound | Sound | Exceptional | $4,087 | -1.233% | 311 | |
31 | NexBank | Strong | Sound | Strong | Strong | $2,208 | +0.250% | 275 | |
32 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,155 | +0.114% | 210 | |
33 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,289 | +0.142% | 171 | |
34 | Synovus Bank | Strong | Sound | Strong | Strong | $2,292 | +0.037% | 162 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,934 | +0.461% | 827 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $2,881 | +0.306% | 582 | |
38 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,915 | +0.575% | 338 | |
39 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $3,424 | +0.092% | 324 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,955 | +0.233% | 320 | |
41 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,519 | +0.594% | 304 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,788 | +0.200% | 277 | |
43 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,703 | +0.014% | 253 | |
44 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $3,180 | +0.150% | 204 | |
45 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,720 | -0.107% | 187 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,842 | +0.387% | 183 | |
47 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,061 | +0.526% | 167 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,759 | +0.286% | 147 | |
49 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,125 | +0.241% | 580 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,006 | +0.495% | 518 |
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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