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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$820 | -0.142% | 8,858 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $241 | -0.196% | 6,267 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$518 | -0.287% | 5,011 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,742 | -0.289% | 3,776 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,668 | -0.198% | 1,592 | |
6 | SCHOOLSFIRST | Exceptional | Exceptional | Strong | Strong | Exceptional | $374 | -0.013% | 1,736 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $305 | -0.471% | 1,247 | |
8 | STAR ONE Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | -$116 | -0.643% | 591 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
10 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$405 | -0.030% | 2,800 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $580 | -0.539% | 1,546 | |
12 | THE GOLDEN 1 | Exceptional | Strong | Exceptional | Strong | Exceptional | -$264 | +0.044% | 1,163 | |
13 | GOOGAIN, INC. | Exceptional | Strong | Strong | Exceptional | Strong | -$754 | +0.002% | 714 | |
14 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$551 | -0.117% | 660 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,807 | +0.135% | 41,870 | |
16 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,583 | +0.180% | 26,634 | |
17 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,238 | +0.068% | 7,658 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
19 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
20 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $633 | -0.277% | 821 | |
21 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $1,167 | -0.201% | 634 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,524 | +0.036% | 6,417 | |
23 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
25 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$791 | +0.009% | 1,452 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,972 | +0.349% | 978 | |
27 | City National Bank | Strong | Strong | Strong | Sound | Strong | $2,580 | +0.021% | 699 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
29 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,746 | +0.439% | 1,343 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,545 | +0.254% | 1,170 | |
33 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,143 | +0.231% | 754 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,199 | +0.335% | 3,338 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,725 | +0.420% | 2,887 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,187 | +0.393% | 2,207 | |
38 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
39 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,224 | +0.410% | 662 | |
40 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,429 | +0.399% | 602 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,558 | +0.295% | 2,476 | |
42 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Sound | Exceptional | $4,493 | +0.251% | 2,398 | |
43 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,902 | +0.361% | 2,371 | |
44 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,402 | +0.637% | 1,878 | |
45 | ALAMEDA MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,554 | +0.492% | 1,702 | |
46 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,916 | +0.983% | 1,347 | |
47 | FRANKLIN LOAN CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
48 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,295 | +0.151% | 598 | |
49 | General Mortgage Capital Corporation | Strong | Acceptable | Strong | Sound | Strong | $1,677 | +0.124% | 951 |
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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