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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,298 | -0.612% | 134 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
3 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,450 | +0.049% | 406 | |
4 | IDAHO CENTRAL CREDIT UNION | Strong | Sound | Strong | Exceptional | $2,451 | +0.135% | 3,043 | |
5 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $4,168 | +0.272% | 362 | |
6 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Strong | $2,724 | -0.154% | 322 | |
7 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Strong | $3,817 | +0.089% | 316 | |
8 | Boeing Employees Credit Union | Strong | Strong | Sound | Strong | $2,047 | -0.032% | 86 | |
9 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,078 | +0.036% | 75 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,881 | +0.300% | 1,149 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,360 | +0.225% | 562 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,393 | +0.140% | 455 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,707 | -0.026% | 281 | |
15 | First Federal Savings Bank of Twin Falls | Strong | Sound | Strong | Strong | $3,540 | -0.078% | 267 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,864 | +0.175% | 186 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $4,262 | +0.319% | 156 | |
18 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,250 | +0.030% | 112 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $4,360 | +0.275% | 102 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,599 | +0.004% | 77 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,531 | +0.326% | 603 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,924 | +0.374% | 476 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,519 | +0.296% | 403 | |
24 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $3,404 | -0.098% | 247 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,438 | +0.146% | 206 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,811 | +0.468% | 199 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,972 | +0.155% | 184 | |
28 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $4,926 | +0.230% | 123 | |
29 | Potlatch No. 1 Financial Credit Union | Strong | Sound | Sound | Strong | $2,818 | -0.015% | 109 | |
30 | WESTMARK Credit Union | Strong | Sound | Sound | Strong | $4,008 | -0.196% | 104 | |
31 | PIONEER FEDERAL CREDIT UNION | Strong | Sound | Sound | Strong | $2,801 | +0.087% | 77 | |
32 | Washington Trust Bank | Strong | Sound | Sound | Strong | $1,159 | +0.144% | 62 | |
33 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Sound | $4,138 | -0.005% | 60 | |
34 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,961 | +0.246% | 482 | |
35 | Glacier Bank | Strong | Acceptable | Sound | Exceptional | $3,517 | +0.074% | 476 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $32 | +0.453% | 340 | |
37 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,613 | +0.172% | 273 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,635 | +0.379% | 231 | |
39 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | $4,454 | +0.253% | 211 | |
40 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,197 | +0.283% | 165 | |
41 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Strong | Strong | $4,407 | +0.478% | 163 | |
42 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,110 | +0.191% | 161 | |
43 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,998 | +0.039% | 141 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,430 | +0.188% | 127 | |
45 | D. L. EVANS BANK | Strong | Acceptable | Strong | Strong | $3,478 | +0.189% | 115 | |
46 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | $5,815 | +0.297% | 98 | |
47 | Umpqua Bank | Strong | Acceptable | Strong | Strong | $2,913 | +0.264% | 86 | |
48 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,065 | +0.472% | 80 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $4,297 | +0.378% | 74 | |
50 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,088 | -0.153% | 63 |
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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