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 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | $1,049 | -0.126% | 643 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $376 | -0.063% | 591 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $1,389 | -0.656% | 462 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $165 | -0.216% | 1,233 | |
5 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $422 | -0.117% | 175 | |
6 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Strong | $302 | -0.620% | 167 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,015 | -0.517% | 397 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,270 | +0.236% | 1,138 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,639 | -0.113% | 677 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,279 | -0.072% | 631 | |
12 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,683 | +0.259% | 300 | |
13 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $433 | +0.360% | 184 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,176 | +0.050% | 1,968 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,854 | +0.140% | 979 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,125 | +0.097% | 461 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,727 | -0.062% | 1,526 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,536 | +0.118% | 1,267 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,305 | +0.379% | 1,139 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,721 | +0.006% | 628 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,260 | +0.117% | 618 | |
24 | NexBank | Strong | Sound | Strong | Strong | $2,630 | +0.268% | 403 | |
25 | Cadence Bank | Strong | Sound | Strong | Strong | $2,583 | +0.134% | 345 | |
26 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $1,040 | -0.156% | 309 | |
27 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,527 | +0.151% | 290 | |
28 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,035 | +0.196% | 233 | |
29 | AML FUNDING LLC | Strong | Sound | Strong | Strong | $2,207 | +0.256% | 194 | |
30 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,365 | +1.041% | 153 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
32 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $4,450 | +0.340% | 1,257 | |
33 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,695 | +0.445% | 1,083 | |
34 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $4,393 | +0.388% | 910 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $1,364 | +0.163% | 669 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,054 | +0.387% | 657 | |
37 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $4,488 | +0.128% | 642 | |
38 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $2,376 | +0.363% | 584 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,916 | +0.440% | 368 | |
40 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,438 | +0.078% | 360 | |
41 | Independent Bank | Strong | Acceptable | Strong | Exceptional | $974 | -0.184% | 301 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $4,058 | +0.020% | 294 | |
43 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,250 | +0.306% | 283 | |
44 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Strong | $1,354 | +0.586% | 283 | |
45 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Strong | $2,086 | +0.150% | 265 | |
46 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Sound | Strong | $3,406 | -0.213% | 231 | |
47 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,170 | +0.101% | 213 | |
48 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,601 | +0.249% | 190 | |
49 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,948 | +0.183% | 178 | |
50 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,971 | +0.674% | 172 |
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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