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 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $326 | +0.171% | 418 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $379 | -0.220% | 287 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,381 | -1.022% | 265 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $817 | -0.487% | 137 | |
5 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $1,346 | -0.730% | 276 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,640 | -0.155% | 185 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $595 | -0.106% | 183 | |
8 | AAXY L.L.C. | Exceptional | Exceptional | Sound | Strong | Strong | -$449 | -0.504% | 139 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $824 | -0.155% | 84 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,355 | -0.003% | 784 | |
12 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $969 | -0.871% | 625 | |
13 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | Sound | Strong | Exceptional | $2,474 | -0.579% | 432 | |
14 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,582 | -0.076% | 193 | |
15 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Sound | Sound | Strong | $1,084 | -0.380% | 135 | |
16 | Frost Bank | Exceptional | Exceptional | Sound | Sound | Strong | -$311 | -0.471% | 91 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
20 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,309 | -0.119% | 208 | |
21 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536 | +0.270% | 783 | |
25 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Sound | Exceptional | $3,524 | +0.040% | 755 | |
26 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,900 | +0.237% | 525 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,569 | -0.064% | 398 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
29 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $3,057 | -0.114% | 198 | |
30 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,812 | +0.151% | 182 | |
31 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,748 | +0.170% | 169 | |
32 | VeraBank, National Association | Strong | Sound | Strong | Strong | Strong | $1,080 | +0.591% | 140 | |
33 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
34 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Strong | Strong | Strong | $3,467 | -0.372% | 79 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
36 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $6,023 | -0.186% | 310 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,513 | +0.079% | 203 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,371 | +0.171% | 198 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
42 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.268% | 179 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
45 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
46 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
47 | Florida Capital Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,160 | +0.024% | 143 | |
48 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.098% | 124 | |
49 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,094 | +0.164% | 95 | |
50 | Prosperity Bank | Strong | Sound | Strong | Sound | Strong | $1,416 | +0.340% | 86 |
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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