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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $173 | +0.152% | 1,013 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,772 | -0.106% | 702 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,662 | -0.093% | 814 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,683 | -0.061% | 469 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $275 | -0.438% | 221 | |
6 | ALLIANT CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Strong | $629 | +0.041% | 170 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
8 | PROPER RATE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,665 | +0.261% | 1,200 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$501 | +0.216% | 937 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $533 | -0.502% | 312 | |
11 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $520 | +0.097% | 305 | |
12 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $406 | +0.420% | 453 | |
13 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $909 | +0.018% | 452 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,681 | +0.147% | 5,072 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | +0.444% | 5,055 | |
16 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,536 | +0.424% | 3,770 | |
17 | Barrington Bank & Trust Company, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,916 | +0.445% | 1,731 | |
18 | GREENSTATE Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $894 | +0.049% | 826 | |
19 | Liberty Bank for Savings | Exceptional | Strong | Strong | Strong | Strong | $581 | -0.254% | 149 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,845 | +0.666% | 2,013 | |
21 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $918 | +0.297% | 493 | |
23 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$252 | +0.168% | 347 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,237 | +0.442% | 225 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.649% | 2,058 | |
27 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,082 | +0.494% | 632 | |
29 | CIBC Bank USA | Strong | Sound | Strong | Strong | Strong | -$1,094 | +0.159% | 185 | |
30 | Marquette Bank | Strong | Strong | — | Sound | Strong | $1,676 | +0.055% | 174 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
32 | COMPASS MORTGAGE, INC. | Strong | Acceptable | — | Exceptional | Exceptional | $2,732 | +0.579% | 537 | |
33 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
34 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,482 | +0.416% | 243 | |
35 | KEY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $1,839 | +0.570% | 819 | |
37 | The Federal Savings Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,016 | +0.786% | 728 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,800 | +0.558% | 698 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,479 | +0.565% | 675 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,172 | +0.689% | 1,346 | |
41 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $1,264 | +0.341% | 276 | |
42 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,367 | +0.559% | 460 | |
43 | SUMMIT FUNDING, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,261 | +0.657% | 162 |
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.
Get personalized recommendations based on your specific needs