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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $636 | -0.456% | 685 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,372 | +0.164% | 537 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,630 | +0.309% | 506 | |
5 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,171 | +0.249% | 255 | |
6 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,593 | +0.161% | 642 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,585 | -0.097% | 308 | |
8 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,144 | +0.231% | 268 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,217 | +0.219% | 263 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,219 | +0.102% | 202 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $349 | +0.019% | 109 | |
12 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,619 | +0.700% | 90 | |
13 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$629 | -0.066% | 494 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,472 | +0.266% | 468 | |
15 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $844 | +0.079% | 398 | |
16 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Strong | $1,543 | +0.039% | 357 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,707 | +0.251% | 321 | |
18 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,361 | +0.393% | 209 | |
19 | United Bank | Exceptional | Strong | Strong | Strong | Strong | $1,838 | -0.225% | 186 | |
20 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,891 | +0.096% | 170 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,933 | +0.150% | 162 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,244 | +0.364% | 96 | |
23 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,607 | -0.112% | 89 | |
24 | PENTAGON FEDERAL CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Strong | $3,221 | -0.187% | 81 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
26 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,875 | +0.376% | 1,754 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,273 | +0.392% | 1,197 | |
28 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,057 | +0.194% | 723 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,032 | +0.367% | 591 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,477 | +0.318% | 349 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,284 | +0.114% | 261 | |
32 | Shore United Bank, N.A. | Strong | Sound | Strong | Exceptional | Strong | $2,590 | +0.144% | 193 | |
33 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $4,627 | +0.637% | 171 | |
34 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,607 | +0.208% | 152 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,825 | +0.161% | 128 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,351 | +0.528% | 121 | |
37 | WesBanco Bank, Inc. | Strong | Strong | Strong | Sound | Strong | $1,650 | +0.222% | 100 | |
38 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,612 | +0.097% | 93 | |
39 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $2,594 | +0.342% | 80 | |
40 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,832 | +0.175% | 334 | |
41 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,934 | +0.029% | 259 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,131 | +0.632% | 136 | |
43 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,408 | +0.133% | 124 | |
44 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,474 | +0.322% | 120 | |
45 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,300 | +0.235% | 102 | |
46 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.476% | 86 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,704 | +0.417% | 435 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,675 | +0.456% | 409 | |
49 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,177 | +0.114% | 374 | |
50 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,144 | +0.089% | 237 |
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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