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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Strong | $1,131 | +0.085% | 32 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $847 | -0.333% | 43 | |
3 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,317 | +0.107% | 193 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,862 | -0.050% | 121 | |
5 | Truist Bank | Strong | Strong | Strong | Strong | $2,251 | +0.301% | 60 | |
6 | Virginia Credit Union, Inc. | Strong | Strong | Strong | Strong | $2,320 | +0.055% | 32 | |
7 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $1,634 | +0.290% | 135 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,320 | -0.280% | 23 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,090 | +0.171% | 204 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,696 | +0.136% | 33 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,543 | -0.134% | 21 | |
12 | GRAY FOX MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,560 | +0.336% | 150 | |
13 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,306 | +0.042% | 84 | |
14 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,552 | +0.485% | 77 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,529 | +0.128% | 66 | |
16 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,564 | +0.251% | 39 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,459 | +0.230% | 38 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,352 | +0.207% | 33 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,420 | +0.170% | 21 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,231 | +0.466% | 62 | |
21 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,913 | +0.333% | 49 | |
22 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Sound | $3,706 | +0.136% | 22 | |
23 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Sound | $2,010 | +0.364% | 21 | |
24 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $1,546 | +0.544% | 23 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,037 | +0.325% | 22 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,645 | +0.505% | 22 | |
27 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $4,346 | +0.284% | 21 | |
28 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $5,330 | +0.455% | 48 | |
29 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,990 | +0.332% | 37 |
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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