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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $288 | -0.612% | 215 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | $524 | -0.271% | 193 | |
3 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Strong | $462 | -0.593% | 117 | |
4 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | $657 | -0.222% | 72 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,013 | -0.539% | 272 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,338 | -0.223% | 262 | |
7 | American National Bank & Trust | Exceptional | Strong | Exceptional | Strong | $1,908 | -0.107% | 152 | |
8 | American Airlines Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $0 | -0.380% | 139 | |
9 | Frost Bank | Exceptional | Exceptional | Sound | Strong | -$256 | -0.223% | 94 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,035 | +0.198% | 2,763 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,715 | +0.357% | 501 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,810 | -0.101% | 224 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,293 | -0.054% | 113 | |
14 | NBKC BANK | Strong | Exceptional | Sound | Sound | $936 | -0.279% | 67 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,394 | +0.216% | 790 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,293 | +0.110% | 720 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,720 | +0.152% | 285 | |
18 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Exceptional | $911 | -0.380% | 246 | |
19 | Truist Bank | Strong | Strong | Strong | Sound | $1,765 | -0.115% | 68 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,111 | +0.405% | 2,308 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,876 | +0.424% | 761 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,701 | +0.466% | 694 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,296 | +0.228% | 458 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $4,630 | +0.551% | 442 | |
25 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | $1,485 | +0.512% | 430 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,936 | +0.265% | 418 | |
27 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,957 | +0.303% | 402 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,536 | +0.116% | 339 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,766 | -0.037% | 239 | |
30 | EECU | Strong | Sound | Sound | Exceptional | $1,644 | +0.563% | 214 | |
31 | NexBank | Strong | Sound | Strong | Strong | $3,323 | +0.228% | 135 | |
32 | AML FUNDING LLC | Strong | Sound | Strong | Strong | $2,227 | +0.418% | 134 | |
33 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,747 | +0.186% | 90 | |
34 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $4,731 | +0.291% | 906 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,667 | +0.604% | 598 | |
36 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,439 | +0.478% | 436 | |
37 | First United Bank and Trust Company | Strong | Acceptable | Strong | Exceptional | $2,739 | +0.318% | 430 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,639 | +0.464% | 234 | |
39 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $2,342 | -0.416% | 114 | |
40 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,766 | -0.123% | 106 | |
41 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $4,526 | +0.214% | 93 | |
42 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,684 | +0.235% | 86 | |
43 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,812 | +0.338% | 79 | |
44 | Centennial Bank | Strong | Sound | Sound | Strong | $1,700 | +0.761% | 69 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $723 | +0.231% | 410 | |
46 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $4,031 | +0.385% | 326 | |
47 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $3,426 | +0.479% | 256 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,660 | +0.382% | 242 | |
49 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | $2,211 | +0.408% | 226 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,871 | +0.359% | 181 |
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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