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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $165 | -0.216% | 1,233 | |
2 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Strong | $422 | -0.117% | 175 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $376 | -0.063% | 591 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015 | -0.517% | 397 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | -0.113% | 677 | |
6 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,049 | -0.126% | 643 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,279 | -0.072% | 631 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176 | +0.050% | 1,968 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,270 | +0.236% | 1,138 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,125 | +0.097% | 461 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
14 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,389 | -0.656% | 462 | |
15 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,583 | +0.134% | 345 | |
16 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,527 | +0.151% | 290 | |
17 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,035 | +0.196% | 233 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,812 | +0.062% | 167 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,632 | +0.209% | 163 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,727 | -0.062% | 1,526 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.379% | 1,139 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393 | +0.388% | 910 | |
26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872 | +0.320% | 837 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364 | +0.163% | 669 | |
28 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,721 | +0.006% | 628 | |
29 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,376 | +0.363% | 584 | |
30 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,630 | +0.268% | 403 | |
31 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,438 | +0.078% | 360 | |
32 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,683 | +0.259% | 300 | |
33 | First Financial Bank, National Association | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,354 | +0.586% | 283 | |
34 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Strong | Strong | Strong | $3,406 | -0.213% | 231 | |
35 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $433 | +0.360% | 184 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
37 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,488 | +0.128% | 642 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,451 | +0.340% | 395 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.440% | 368 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
42 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,486 | +0.156% | 323 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,058 | +0.020% | 294 | |
44 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,164 | +0.350% | 288 | |
45 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,250 | +0.306% | 283 | |
46 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,591 | +0.444% | 251 | |
47 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.249% | 190 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,725 | +0.150% | 175 | |
49 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,470 | +0.295% | 170 | |
50 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,647 | +0.829% | 156 |
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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