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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Strong | -$220 | -0.149% | 185 | |
2 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,233 | +0.560% | 377 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $543 | -0.379% | 163 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,558 | +0.034% | 136 | |
5 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Strong | $329 | +0.064% | 123 | |
6 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $2,354 | +0.362% | 96 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $438 | +0.167% | 66 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $846 | +0.017% | 60 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,103 | +0.130% | 165 | |
10 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $18 | -0.774% | 103 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,340 | -0.003% | 101 | |
12 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Strong | Strong | $1,380 | +0.020% | 78 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $123 | +0.014% | 39 | |
14 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $918 | -0.006% | 37 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,590 | +0.362% | 1,259 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,866 | +0.190% | 674 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,687 | +0.330% | 202 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,554 | +0.244% | 151 | |
19 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,649 | +0.410% | 149 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,480 | +0.177% | 74 | |
21 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,610 | +0.043% | 62 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,315 | +0.525% | 934 | |
23 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,539 | +0.369% | 446 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,421 | +0.407% | 369 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $863 | +0.143% | 179 | |
26 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $2,939 | +0.133% | 104 | |
27 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $2,488 | +0.475% | 51 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,648 | +0.552% | 40 | |
29 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,670 | +0.459% | 833 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.186% | 347 | |
31 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.411% | 246 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,576 | +0.319% | 236 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,992 | +0.416% | 234 | |
34 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,727 | +0.455% | 213 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,378 | +0.455% | 209 | |
36 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,746 | +0.436% | 205 | |
37 | 1st Colonial Community Bank | Strong | Sound | Sound | Sound | Exceptional | $1,889 | +0.263% | 202 | |
38 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $425 | +0.315% | 158 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,272 | +0.475% | 154 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,415 | +0.568% | 87 | |
41 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,895 | +0.529% | 77 | |
42 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,992 | +0.286% | 53 | |
43 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $2,938 | +0.593% | 415 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,883 | +0.539% | 225 | |
45 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,318 | +0.413% | 193 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,261 | +0.189% | 69 | |
47 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,817 | +0.202% | 65 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,178 | +0.443% | 62 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,593 | +0.452% | 59 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,594 | +0.397% | 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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