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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,680 | -0.112% | 640 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,272 | +0.095% | 581 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,139 | -0.060% | 361 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $904 | -0.429% | 486 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,942 | +0.220% | 8,636 | |
7 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,083 | +0.390% | 5,725 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,418 | +0.108% | 2,453 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,699 | +0.236% | 1,051 | |
11 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $1,688 | -0.126% | 277 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,402 | +0.027% | 704 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
14 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $1,987 | +0.291% | 226 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,691 | +0.423% | 1,189 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
17 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,579 | +0.159% | 670 | |
18 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Sound | — | Strong | Exceptional | $983 | +0.448% | 523 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,709 | +0.060% | 423 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,186 | +0.453% | 382 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,841 | +0.606% | 915 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
24 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,813 | +0.149% | 189 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $830 | -0.371% | 1,489 | |
26 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,407 | -0.043% | 926 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
28 | Prosperity Bank | Strong | Acceptable | Exceptional | Sound | Strong | $957 | +0.725% | 385 | |
29 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,811 | +0.277% | 1,033 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,307 | +0.425% | 498 | |
31 | First Financial Bank, National Association | Sound | Mediocre | Strong | Strong | Strong | $1,208 | +0.694% | 287 | |
32 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,052 | +0.945% | 238 | |
33 | CORNERSTONE MORTGAGE PROVIDERS, LLC | Sound | Acceptable | — | Sound | Strong | $3,094 | +0.517% | 211 | |
34 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,078 | +0.357% | 460 | |
35 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Sound | Acceptable | Strong | $3,586 | +0.413% | 231 | |
36 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Sound | Mediocre | Exceptional | $4,129 | +0.496% | 1,436 |
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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