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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $969 | -0.871% | 625 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $326 | +0.171% | 418 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $1,381 | -1.022% | 265 | |
4 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Exceptional | $1,346 | -0.730% | 276 | |
5 | AAXY L.L.C. | Exceptional | Exceptional | Strong | Strong | -$449 | -0.504% | 139 | |
6 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Strong | $1,084 | -0.380% | 135 | |
7 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | Strong | Exceptional | $2,474 | -0.579% | 432 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $379 | -0.220% | 287 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $817 | -0.487% | 137 | |
10 | Frost Bank | Exceptional | Exceptional | Sound | Strong | -$311 | -0.471% | 91 | |
11 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $824 | -0.155% | 84 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
13 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $3,057 | -0.114% | 198 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,640 | -0.155% | 185 | |
15 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $595 | -0.106% | 183 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,355 | -0.003% | 784 | |
18 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Exceptional | $3,524 | +0.040% | 755 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,639 | +0.080% | 295 | |
20 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,582 | -0.076% | 193 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $1,690 | -0.155% | 1,568 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
25 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,041 | +0.627% | 288 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,040 | -0.074% | 270 | |
27 | Cadence Bank | Strong | Sound | Strong | Strong | $2,309 | -0.119% | 208 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,513 | +0.079% | 203 | |
29 | NexBank | Strong | Sound | Strong | Strong | $2,812 | +0.151% | 182 | |
30 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,493 | +0.098% | 179 | |
31 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,951 | -0.005% | 150 | |
32 | Florida Capital Bank, National Association | Strong | Sound | Strong | Strong | $2,160 | +0.024% | 143 | |
33 | VeraBank, National Association | Strong | Sound | Strong | Strong | $1,080 | +0.591% | 140 | |
34 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | $3,362 | +0.090% | 699 | |
35 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $1,900 | +0.237% | 525 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,230 | +0.293% | 328 | |
37 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $6,023 | -0.186% | 310 | |
38 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $3,400 | -0.150% | 304 | |
39 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $3,109 | +0.219% | 298 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,883 | +0.150% | 286 | |
41 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,748 | +0.170% | 169 | |
42 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,562 | +0.098% | 124 | |
43 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,191 | -0.101% | 106 | |
44 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,617 | -0.604% | 102 | |
45 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,597 | -0.217% | 94 | |
46 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Sound | Strong | $3,467 | -0.372% | 79 | |
47 | Amplify | Strong | Sound | Sound | Strong | $2,358 | +0.125% | 75 | |
48 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Strong | $2,474 | +0.248% | 71 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,300 | +1.249% | 266 | |
50 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $3,623 | +0.162% | 235 |
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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