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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | -$547 | -0.340% | 11 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,011 | +0.250% | 177 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,669 | +0.358% | 80 | |
4 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,603 | +0.363% | 50 | |
5 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,613 | +0.394% | 12 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $7,569 | +0.432% | 84 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,425 | +0.066% | 21 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,897 | +0.130% | 19 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,348 | +0.141% | 28 | |
10 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,412 | +0.523% | 25 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,493 | +0.513% | 23 | |
12 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,817 | +1.234% | 14 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,871 | +0.325% | 13 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,493 | +0.376% | 12 | |
15 | EFINITY FINANCIAL INC. | Strong | Mediocre | Strong | Strong | Exceptional | $6,217 | +0.711% | 100 | |
16 | Wallick & Volk, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $6,612 | +0.200% | 68 | |
17 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,045 | +0.764% | 25 | |
18 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,182 | +0.592% | 21 | |
19 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,369 | +0.768% | 19 |
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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