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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $520 | +0.097% | 305 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $173 | +0.152% | 1,013 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$501 | +0.216% | 937 | |
7 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,472 | +0.561% | 734 | |
8 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $909 | +0.018% | 452 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.567% | 421 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $832 | +0.682% | 185 | |
12 | CIBC Bank USA | Exceptional | Exceptional | Strong | Sound | Strong | -$1,094 | +0.159% | 185 | |
13 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,762 | +0.474% | 177 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $686 | -0.045% | 147 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
16 | A & N MORTGAGE SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,607 | +0.337% | 1,027 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $918 | +0.297% | 493 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744 | +0.649% | 2,058 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,839 | +0.570% | 819 | |
21 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $377 | +0.318% | 717 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,367 | +0.559% | 460 | |
23 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $334 | +0.503% | 378 | |
24 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$252 | +0.168% | 347 | |
25 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,230 | +0.106% | 283 | |
26 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $2,488 | +0.373% | 213 | |
27 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,183 | +0.556% | 141 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,681 | +0.147% | 5,072 | |
30 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,916 | +0.445% | 1,731 | |
31 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272 | +0.312% | 744 | |
33 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,305 | +0.625% | 659 | |
34 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,264 | +0.341% | 276 | |
35 | CIBM Bank | Strong | Sound | Strong | Strong | Strong | $1,325 | +0.441% | 215 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,876 | +0.696% | 166 | |
37 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557 | +0.504% | 159 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
39 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,016 | +0.786% | 728 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,479 | +0.565% | 675 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,082 | +0.494% | 632 | |
42 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,732 | +0.579% | 537 | |
43 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,496 | +0.649% | 264 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,315 | +0.500% | 263 | |
45 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,237 | +0.442% | 225 | |
46 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,880 | +0.415% | 222 | |
47 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,311 | +0.991% | 200 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,554 | +0.856% | 194 | |
49 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,617 | +0.414% | 178 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.514% | 153 |
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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