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 | $2,229 | +0.107% | 3,124 | |
2 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $506 | -0.208% | 157 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $900 | -0.513% | 346 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,605 | +0.320% | 340 | |
5 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,328 | +0.096% | 307 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,866 | +0.125% | 196 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,268 | +0.329% | 2,718 | |
8 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,703 | +0.123% | 1,453 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,750 | +0.065% | 825 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,857 | +0.131% | 501 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,371 | +0.002% | 471 | |
12 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Exceptional | $1,737 | -0.015% | 426 | |
13 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $748 | +0.050% | 295 | |
14 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Strong | $200 | +0.092% | 199 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,431 | +0.357% | 167 | |
16 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,205 | +0.171% | 164 | |
17 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,117 | +0.394% | 161 | |
18 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
19 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$280 | +0.057% | 639 | |
20 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,746 | +0.184% | 373 | |
21 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,327 | +0.143% | 283 | |
22 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,909 | +0.221% | 194 | |
23 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,535 | +0.252% | 175 | |
24 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,228 | -0.110% | 115 | |
25 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,996 | +0.023% | 109 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
28 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.465% | 980 | |
30 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,583 | -0.039% | 935 | |
31 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,949 | +0.260% | 336 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,763 | +0.051% | 260 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,335 | +0.380% | 243 | |
34 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,593 | +0.333% | 161 | |
35 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,294 | +0.333% | 156 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,432 | +0.406% | 103 | |
37 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,839 | +0.277% | 98 | |
38 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | Strong | $1,706 | +0.287% | 88 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318 | +0.538% | 697 | |
40 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $1,914 | +0.255% | 332 | |
41 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984 | +0.437% | 235 | |
42 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,226 | +0.365% | 186 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $592 | +0.283% | 455 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,840 | +0.353% | 429 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.465% | 364 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,812 | +0.479% | 241 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,154 | +0.363% | 236 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.295% | 158 | |
49 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.403% | 155 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,028 | +0.473% | 129 |
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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