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 | Strong | $980 | -0.445% | 94 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,424 | +0.075% | 61 | |
3 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$58 | +0.136% | 52 | |
4 | SouthState Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,208 | +0.203% | 394 | |
5 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176 | +0.254% | 346 | |
6 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,224 | +0.160% | 339 | |
7 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,431 | +0.216% | 335 | |
8 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,264 | -0.119% | 174 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,137 | +0.072% | 126 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
12 | Synovus Bank | Strong | Sound | Strong | Strong | Exceptional | $2,077 | +0.235% | 174 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,857 | +0.486% | 145 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.153% | 107 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,519 | +0.091% | 94 | |
16 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,871 | +0.132% | 84 | |
17 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,969 | +0.205% | 83 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,136 | +0.551% | 65 | |
19 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,692 | +0.314% | 708 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,447 | +0.360% | 584 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,635 | +0.470% | 362 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,041 | +0.310% | 357 | |
23 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,980 | +0.283% | 345 | |
24 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,786 | +0.264% | 295 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,813 | +0.512% | 264 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,184 | +0.168% | 187 | |
27 | AVADIAN | Strong | Sound | Sound | Strong | Exceptional | $1,143 | +0.053% | 153 | |
28 | ServisFirst Bank | Strong | Sound | Strong | Strong | Strong | $1,703 | +0.122% | 84 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,337 | +0.073% | 40 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,151 | +0.830% | 31 | |
31 | First Federal Bank, A FSB | Strong | Acceptable | Strong | Strong | Exceptional | $3,407 | +0.048% | 187 | |
32 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $3,823 | +0.702% | 176 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,636 | +0.195% | 168 | |
34 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,424 | +0.495% | 148 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,506 | +0.445% | 112 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,752 | +0.235% | 93 | |
37 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,265 | +0.319% | 73 | |
38 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,713 | +0.199% | 70 | |
39 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.286% | 68 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,347 | +0.243% | 68 | |
41 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,992 | +0.362% | 67 | |
42 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,255 | +0.681% | 53 | |
43 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,679 | +0.530% | 50 | |
44 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,575 | +0.399% | 49 | |
45 | SouthPoint Bank | Strong | Acceptable | Strong | Sound | Exceptional | $2,393 | +0.206% | 289 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,000 | +0.544% | 251 | |
47 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,712 | +0.002% | 244 | |
48 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,062 | +0.591% | 164 | |
49 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,235 | +0.719% | 108 | |
50 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,235 | +0.201% | 49 |
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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