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 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $572 | +0.013% | 898 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $621 | -0.427% | 651 | |
3 | DELTA COMMUNITY CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,413 | -0.434% | 639 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,275 | -0.098% | 494 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,604 | -0.254% | 573 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $97 | -0.103% | 238 | |
7 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303 | +0.179% | 2,494 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,581 | +0.076% | 1,244 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,070 | -0.054% | 730 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.127% | 669 | |
12 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,715 | +0.009% | 888 | |
16 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,436 | +0.167% | 404 | |
17 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,788 | +0.200% | 277 | |
19 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,659 | +0.001% | 257 | |
20 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,155 | +0.114% | 210 | |
21 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,289 | +0.142% | 171 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,690 | +0.395% | 1,660 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,904 | +0.179% | 932 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689 | +0.348% | 823 | |
27 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,903 | +0.160% | 323 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
29 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,208 | +0.250% | 275 | |
30 | Synovus Bank | Strong | Sound | Strong | Strong | Strong | $2,292 | +0.037% | 162 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,431 | +0.463% | 1,398 | |
32 | TRAILBLAZER MORTGAGE L.L.C. | Strong | Sound | Sound | Sound | Exceptional | $2,369 | -0.491% | 672 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,006 | +0.495% | 518 | |
36 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,484 | +0.136% | 494 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
38 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,432 | +0.361% | 368 | |
39 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
40 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,915 | +0.575% | 338 | |
41 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,424 | +0.092% | 324 | |
42 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,736 | +0.276% | 319 | |
43 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,605 | +0.217% | 274 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,703 | +0.014% | 253 | |
46 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.387% | 183 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,061 | +0.526% | 167 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,759 | +0.286% | 147 |
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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