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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $636 | -0.456% | 685 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$629 | -0.066% | 494 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,131 | -0.126% | 180 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,543 | +0.039% | 357 | |
5 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Strong | Exceptional | $1,302 | -0.266% | 344 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,859 | -0.108% | 303 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $808 | +0.056% | 145 | |
8 | ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $1,107 | -0.224% | 139 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $349 | +0.019% | 109 | |
10 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $844 | +0.079% | 398 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,934 | +0.029% | 259 | |
12 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,891 | +0.096% | 170 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
15 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,057 | +0.194% | 723 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,657 | +0.097% | 496 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,284 | +0.114% | 261 | |
18 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,171 | +0.249% | 255 | |
19 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,144 | +0.089% | 237 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,825 | +0.161% | 128 | |
21 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,408 | +0.133% | 124 | |
22 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,650 | +0.222% | 100 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,244 | +0.364% | 96 | |
24 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,662 | +0.425% | 1,038 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,032 | +0.367% | 591 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,372 | +0.164% | 537 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.309% | 506 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,585 | -0.097% | 308 | |
29 | Sandy Spring Bank | Strong | Sound | Strong | Sound | Exceptional | $2,144 | +0.231% | 268 | |
30 | United Bank | Strong | Sound | Strong | Strong | Strong | $1,838 | -0.225% | 186 | |
31 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,300 | +0.235% | 102 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.476% | 86 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,633 | +0.212% | 71 | |
34 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,593 | +0.161% | 642 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.266% | 468 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,704 | +0.417% | 435 | |
37 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,177 | +0.114% | 374 | |
38 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,832 | +0.175% | 334 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.251% | 321 | |
40 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,828 | +0.245% | 231 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.307% | 209 | |
42 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,361 | +0.393% | 209 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,219 | +0.102% | 202 | |
44 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,578 | +0.334% | 185 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,318 | +0.451% | 169 | |
46 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.253% | 168 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | +0.150% | 162 | |
48 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,607 | +0.208% | 152 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,217 | +0.597% | 136 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,351 | +0.528% | 121 |
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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