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 | STATE EMPLOYEES' | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,298 | -0.739% | 1,205 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,583 | -0.039% | 935 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,668 | -0.167% | 807 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $748 | +0.050% | 295 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$280 | +0.057% | 639 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $900 | -0.513% | 346 | |
7 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,640 | -0.083% | 267 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $503 | +0.121% | 198 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,205 | +0.171% | 164 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,744 | +0.251% | 3,911 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,229 | +0.107% | 3,124 | |
12 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,268 | +0.329% | 2,718 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750 | +0.065% | 825 | |
14 | First National Bank of Pennsylvania | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,737 | -0.015% | 426 | |
15 | Truliant Federal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,153 | +0.256% | 129 | |
16 | American Security Mortgage Corp. | Strong | Sound | Strong | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,603 | -0.233% | 1,307 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,371 | +0.002% | 471 | |
19 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,905 | +0.125% | 236 | |
20 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$395 | +0.017% | 120 | |
21 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $530 | +0.314% | 106 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,972 | +0.290% | 1,097 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255 | +0.465% | 980 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318 | +0.538% | 697 | |
25 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,279 | +0.201% | 95 | |
26 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,327 | +0.143% | 283 | |
27 | SKYLA FEDERAL CREDIT UNION | Strong | Sound | — | Sound | Exceptional | $3,390 | -0.230% | 182 | |
28 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Strong | $4,535 | +0.252% | 175 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Strong | $2,812 | +0.479% | 241 | |
30 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,593 | +0.333% | 161 | |
31 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $1,914 | +0.255% | 332 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,642 | +0.431% | 155 | |
33 | Click n' Close, Inc. | Sound | Mediocre | Sound | Acceptable | Strong | $6,739 | +1.677% | 155 |
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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