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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $847 | -0.333% | 43 | |
2 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,317 | +0.107% | 193 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,251 | +0.301% | 60 | |
4 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $1,131 | +0.085% | 32 | |
5 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Strong | Strong | $2,320 | +0.055% | 32 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,320 | -0.280% | 23 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,090 | +0.171% | 204 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,862 | -0.050% | 121 | |
9 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,306 | +0.042% | 84 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,543 | -0.134% | 21 | |
11 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,634 | +0.290% | 135 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,420 | +0.170% | 21 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,591 | +0.359% | 13 | |
14 | GRAY FOX MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,560 | +0.336% | 150 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,529 | +0.128% | 66 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,231 | +0.466% | 62 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,564 | +0.251% | 39 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,459 | +0.230% | 38 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,352 | +0.207% | 33 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,696 | +0.136% | 33 | |
21 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,706 | +0.136% | 22 | |
22 | United Bank | Strong | Sound | Strong | Strong | Sound | $1,560 | +0.158% | 18 | |
23 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Sound | $1,691 | +0.081% | 17 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,976 | -0.328% | 17 | |
25 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $2,265 | -0.014% | 15 | |
26 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $908 | +0.514% | 13 | |
27 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Sound | $599 | -0.085% | 10 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Acceptable | $2,753 | -0.249% | 10 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,037 | +0.325% | 22 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,645 | +0.505% | 22 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,586 | +0.274% | 19 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,163 | -0.259% | 15 | |
33 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,552 | +0.485% | 77 | |
34 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Strong | $1,913 | +0.333% | 49 | |
35 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $5,330 | +0.455% | 48 | |
36 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,990 | +0.332% | 37 | |
37 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $2,010 | +0.364% | 21 | |
38 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,030 | -0.145% | 17 | |
39 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $5,168 | +0.689% | 16 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,482 | +0.003% | 11 | |
41 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $5,661 | +0.261% | 10 | |
42 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $4,346 | +0.284% | 21 | |
43 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,956 | +0.058% | 12 | |
44 | Towne Mortgage, LLC | Sound | Mediocre | Sound | Strong | Sound | $4,611 | +0.141% | 14 | |
45 | Farm Credit of the Virginias, ACA | Acceptable | Mediocre | Acceptable | Acceptable | Sound | $877 | +1.578% | 13 |
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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