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 | ENT Credit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,475 | -0.234% | 366 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,076 | -0.105% | 287 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,228 | -0.609% | 231 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $598 | -0.060% | 447 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,351 | +0.099% | 322 | |
6 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,153 | +0.239% | 264 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,273 | -0.153% | 254 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $496 | -0.264% | 118 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $193 | -0.478% | 116 | |
10 | ELEVATIONS | Exceptional | Sound | Exceptional | Strong | Exceptional | $943 | +0.193% | 702 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,240 | -0.002% | 242 | |
12 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Strong | $939 | +0.009% | 197 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
15 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,867 | -0.080% | 752 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,086 | +0.033% | 751 | |
18 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,294 | +0.273% | 230 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,305 | +0.034% | 226 | |
20 | M2 LENDING SOLUTIONS, LLC | Strong | Strong | Sound | Sound | Exceptional | $2,230 | +0.172% | 225 | |
21 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | $1,524 | +0.053% | 203 | |
22 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
23 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $4,078 | +0.049% | 147 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
25 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $2,274 | -0.228% | 108 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,844 | +0.359% | 1,086 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
30 | FirstBank | Strong | Sound | Strong | Sound | Exceptional | $1,182 | -0.307% | 493 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,656 | -0.086% | 382 | |
32 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,686 | -0.165% | 140 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.408% | 546 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.133% | 512 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,040 | +0.135% | 493 | |
37 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,749 | +0.367% | 316 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,573 | +0.189% | 312 | |
39 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,788 | +0.110% | 264 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,511 | +0.133% | 193 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,978 | +0.214% | 187 | |
43 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.110% | 182 | |
44 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,506 | +0.330% | 174 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.187% | 169 | |
46 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,981 | +0.143% | 151 | |
48 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,457 | +0.150% | 143 | |
49 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,081 | +0.333% | 98 |
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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