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 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,686 | -0.165% | 140 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $496 | -0.264% | 118 | |
4 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,153 | +0.239% | 264 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,228 | -0.609% | 231 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,089 | -0.027% | 454 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $598 | -0.060% | 447 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,656 | -0.086% | 382 | |
10 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,289 | +0.617% | 376 | |
11 | ENT Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,475 | -0.234% | 366 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,661 | +0.281% | 229 | |
13 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
14 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,086 | +0.033% | 751 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,531 | +0.408% | 546 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,977 | +0.133% | 512 | |
18 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,573 | +0.189% | 312 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,511 | +0.133% | 193 | |
20 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,918 | +0.110% | 182 | |
21 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,484 | +0.299% | 109 | |
22 | INTERCAP LENDING INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,193 | +0.303% | 96 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,867 | -0.080% | 752 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,040 | +0.135% | 493 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,328 | +0.216% | 334 | |
28 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,788 | +0.110% | 264 | |
29 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,314 | -0.457% | 246 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,305 | +0.034% | 226 | |
32 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,764 | +0.094% | 194 | |
33 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,981 | +0.143% | 151 | |
34 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,624 | +0.161% | 148 | |
35 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
36 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,954 | -0.207% | 96 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
39 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,283 | +0.296% | 837 | |
40 | ELEVATIONS | Strong | Sound | Strong | Sound | Exceptional | $943 | +0.193% | 702 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
42 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,240 | -0.002% | 242 | |
43 | First Western Trust Bank | Strong | Sound | Strong | Strong | Strong | $939 | +0.009% | 197 | |
44 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,144 | +0.233% | 169 | |
45 | Northpointe Bank | Strong | Sound | Strong | Strong | Strong | $4,078 | +0.049% | 147 | |
46 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,018 | +0.266% | 116 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $572 | -0.092% | 256 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,978 | +0.214% | 187 | |
49 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
50 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.187% | 169 |
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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