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 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | $894 | +0.049% | 826 | |
2 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$1,772 | -0.106% | 702 | |
3 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $909 | +0.018% | 452 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $520 | +0.097% | 305 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $275 | -0.438% | 221 | |
6 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
7 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $173 | +0.152% | 1,013 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$501 | +0.216% | 937 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $533 | -0.502% | 312 | |
10 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $731 | +0.031% | 224 | |
11 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $788 | +0.667% | 160 | |
12 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $686 | -0.045% | 147 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,662 | -0.093% | 814 | |
15 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$252 | +0.168% | 347 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,681 | +0.147% | 5,072 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
19 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
20 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,736 | +0.344% | 967 | |
21 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $2,272 | +0.312% | 744 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,683 | -0.061% | 469 | |
23 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $2,488 | +0.373% | 213 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $832 | +0.682% | 185 | |
25 | CIBC Bank USA | Strong | Strong | Sound | Strong | -$1,094 | +0.159% | 185 | |
26 | GMFS LLC | Strong | Sound | Exceptional | Strong | $1,762 | +0.474% | 177 | |
27 | Marquette Bank | Strong | Strong | Sound | Strong | $1,676 | +0.055% | 174 | |
28 | ALLIANT CREDIT UNION | Strong | Strong | Sound | Strong | $629 | +0.041% | 170 | |
29 | NUMARK CREDIT UNION | Strong | Strong | Sound | Strong | $1,361 | +0.198% | 152 | |
30 | Liberty Bank for Savings | Strong | Strong | Sound | Strong | $581 | -0.254% | 149 | |
31 | First American Bank | Strong | Strong | Sound | Strong | $1,203 | +0.144% | 141 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,744 | +0.649% | 2,058 | |
34 | PROPER RATE, LLC | Strong | Sound | Sound | Exceptional | $1,665 | +0.261% | 1,200 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $1,839 | +0.570% | 819 | |
36 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,732 | +0.579% | 537 | |
37 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $918 | +0.297% | 493 | |
38 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,052 | +0.567% | 421 | |
39 | NexBank | Strong | Sound | Strong | Strong | $1,482 | +0.416% | 243 | |
40 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,724 | +0.418% | 206 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
42 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $1,916 | +0.445% | 1,731 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,394 | +0.604% | 814 | |
44 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $1,472 | +0.561% | 734 | |
45 | UNITED HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $1,965 | +0.395% | 389 | |
46 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $1,264 | +0.341% | 276 | |
47 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,237 | +0.442% | 225 | |
48 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,617 | +0.414% | 178 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,876 | +0.696% | 166 | |
50 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,557 | +0.504% | 159 |
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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