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 | Union Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,089 | +0.205% | 688 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $377 | +0.229% | 1,337 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,884 | +0.213% | 615 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $422 | -0.479% | 125 | |
6 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,128 | +0.087% | 823 | |
7 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,695 | +0.077% | 654 | |
8 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Exceptional | $1,612 | +0.110% | 419 | |
9 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $714 | -0.220% | 365 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,384 | +0.334% | 246 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,676 | +0.098% | 246 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $972 | +0.189% | 206 | |
13 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,826 | +0.356% | 198 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,576 | +0.054% | 62 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,822 | +0.587% | 1,737 | |
17 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,521 | +0.287% | 319 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,574 | +0.510% | 270 | |
19 | The State Bank and Trust Company | Strong | Strong | Acceptable | Strong | Exceptional | $1,361 | +0.023% | 256 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,809 | +0.233% | 181 | |
21 | The Union Bank Company | Strong | Strong | Sound | Strong | Strong | $1,014 | +0.164% | 154 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,752 | +0.438% | 149 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,440 | +0.518% | 141 | |
24 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $1,860 | -0.143% | 62 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,229 | +0.714% | 1,042 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262 | +0.562% | 701 | |
28 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,654 | +0.342% | 446 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146 | +0.472% | 299 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,151 | +0.607% | 282 | |
31 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,794 | +0.098% | 240 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,441 | +0.433% | 173 | |
33 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Strong | $103 | +0.134% | 310 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,044 | +0.639% | 285 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.555% | 164 | |
36 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.563% | 138 | |
37 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,043 | -0.038% | 89 | |
38 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,229 | +0.572% | 77 | |
39 | GO MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,806 | +0.556% | 333 | |
40 | RAPID MORTGAGE COMPANY | Strong | Mediocre | Strong | Strong | Exceptional | $3,942 | +0.649% | 231 | |
41 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,117 | +0.603% | 57 | |
42 | UNION CAPITAL MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | Strong | $3,116 | +0.290% | 84 | |
43 | J. VIRGIL, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,457 | +0.730% | 84 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,598 | +0.771% | 64 |
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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