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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,147 | +0.152% | 282 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
3 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,303 | +0.179% | 2,494 | |
4 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369 | -0.491% | 672 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904 | +0.179% | 932 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,715 | +0.009% | 888 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $621 | -0.427% | 651 | |
9 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,659 | +0.001% | 257 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,581 | +0.076% | 1,244 | |
11 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,689 | +0.348% | 823 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
13 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
14 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,210 | +0.798% | 469 | |
15 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
16 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,646 | +0.442% | 243 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
18 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
19 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $572 | +0.013% | 898 | |
20 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,436 | +0.167% | 404 | |
21 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,432 | +0.361% | 368 | |
22 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,424 | +0.092% | 324 | |
23 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,703 | +0.014% | 253 | |
24 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
25 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,720 | -0.107% | 187 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,759 | +0.286% | 147 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690 | +0.395% | 1,660 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,282 | +0.344% | 436 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,736 | +0.276% | 319 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,788 | +0.200% | 277 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
35 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,934 | +0.461% | 827 | |
37 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,070 | -0.054% | 730 | |
38 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915 | +0.575% | 338 | |
39 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,903 | +0.160% | 323 | |
40 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
41 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519 | +0.594% | 304 | |
42 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $4,963 | +0.548% | 738 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,881 | +0.306% | 582 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,006 | +0.495% | 518 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
46 | Capital City Home Loans, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
47 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Strong | $3,926 | +0.423% | 310 | |
48 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
49 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Strong | $3,180 | +0.150% | 204 | |
50 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.387% | 183 |
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.
Get personalized recommendations based on your specific needs