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 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,153 | +0.239% | 264 | |
2 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $193 | -0.478% | 116 | |
3 | ENT Credit Union | Exceptional | Strong | Strong | Exceptional | $1,475 | -0.234% | 366 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,076 | -0.105% | 287 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,228 | -0.609% | 231 | |
6 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $496 | -0.264% | 118 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $598 | -0.060% | 447 | |
9 | The Huntington National Bank | Strong | Strong | Strong | Strong | $1,351 | +0.099% | 322 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,273 | -0.153% | 254 | |
11 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,686 | -0.165% | 140 | |
12 | ELEVATIONS | Strong | Sound | Strong | Exceptional | $943 | +0.193% | 702 | |
13 | CANVAS CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,421 | +0.186% | 405 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,240 | -0.002% | 242 | |
15 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Exceptional | $2,230 | +0.172% | 225 | |
16 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,764 | +0.094% | 194 | |
17 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $2,274 | -0.228% | 108 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,203 | +0.315% | 1,279 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
21 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,867 | -0.080% | 752 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,086 | +0.033% | 751 | |
24 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,092 | +0.064% | 547 | |
25 | FirstBank | Strong | Sound | Sound | Exceptional | $1,182 | -0.307% | 493 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,089 | -0.027% | 454 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,656 | -0.086% | 382 | |
28 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,289 | +0.617% | 376 | |
29 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,314 | -0.457% | 246 | |
30 | First Western Trust Bank | Strong | Sound | Strong | Strong | $939 | +0.009% | 197 | |
31 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,324 | +0.117% | 185 | |
32 | Northpointe Bank | Strong | Sound | Strong | Strong | $4,078 | +0.049% | 147 | |
33 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $2,159 | +0.277% | 108 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
35 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,804 | +0.227% | 624 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,531 | +0.408% | 546 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,977 | +0.133% | 512 | |
38 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,749 | +0.367% | 316 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,573 | +0.189% | 312 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,305 | +0.034% | 226 | |
41 | BMO Bank National Association | Strong | Sound | Sound | Strong | $1,524 | +0.053% | 203 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,511 | +0.133% | 193 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,978 | +0.214% | 187 | |
44 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,144 | +0.233% | 169 | |
45 | WESTERRA CREDIT UNION | Strong | Sound | Sound | Strong | $1,803 | +0.148% | 164 | |
46 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $807 | +0.087% | 162 | |
47 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,624 | +0.161% | 148 | |
48 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $1,457 | +0.150% | 143 | |
49 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Strong | $2,018 | +0.266% | 116 | |
50 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | $2,193 | +0.303% | 96 |
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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