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 | GREENSTATE Credit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $894 | +0.049% | 826 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | -$1,772 | -0.106% | 702 | |
3 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $909 | +0.018% | 452 | |
4 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $520 | +0.097% | 305 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $173 | +0.152% | 1,013 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $533 | -0.502% | 312 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $731 | +0.031% | 224 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$501 | +0.216% | 937 | |
10 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,662 | -0.093% | 814 | |
11 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$252 | +0.168% | 347 | |
12 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $275 | -0.438% | 221 | |
13 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Strong | $788 | +0.667% | 160 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $686 | -0.045% | 147 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,681 | +0.147% | 5,072 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
17 | Barrington Bank & Trust Company, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,916 | +0.445% | 1,731 | |
18 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,272 | +0.312% | 744 | |
19 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,683 | -0.061% | 469 | |
20 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,762 | +0.474% | 177 | |
21 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
23 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,694 | +0.399% | 501 | |
25 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $406 | +0.420% | 453 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,315 | +0.500% | 263 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $832 | +0.682% | 185 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.649% | 2,058 | |
31 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Exceptional | $1,665 | +0.261% | 1,200 | |
32 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839 | +0.570% | 819 | |
34 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,472 | +0.561% | 734 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $918 | +0.297% | 493 | |
36 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,482 | +0.416% | 243 | |
37 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,794 | +0.594% | 234 | |
38 | CIBM Bank | Strong | Sound | Strong | Strong | Strong | $1,325 | +0.441% | 215 | |
39 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $2,488 | +0.373% | 213 | |
40 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $1,724 | +0.418% | 206 | |
41 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557 | +0.504% | 159 | |
42 | Home State Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,744 | +0.458% | 148 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $377 | +0.318% | 717 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,479 | +0.565% | 675 | |
46 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,732 | +0.579% | 537 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,367 | +0.559% | 460 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,615 | +0.489% | 361 | |
49 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,265 | +0.650% | 303 | |
50 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 |
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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