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 | Strong | $1,298 | -0.612% | 134 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,450 | +0.049% | 406 | |
3 | IDAHO CENTRAL CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,451 | +0.135% | 3,043 | |
4 | Potlatch No. 1 Financial Credit Union | Exceptional | Strong | Strong | Strong | Strong | $2,818 | -0.015% | 109 | |
5 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,078 | +0.036% | 75 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
9 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Strong | $2,724 | -0.154% | 322 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,864 | +0.175% | 186 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,972 | +0.155% | 184 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,250 | +0.030% | 112 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
14 | Boeing Employees Credit Union | Strong | Strong | Strong | Sound | Strong | $2,047 | -0.032% | 86 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
16 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $3,817 | +0.089% | 316 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,707 | -0.026% | 281 | |
18 | First Federal Savings Bank of Twin Falls | Strong | Sound | Strong | Strong | Strong | $3,540 | -0.078% | 267 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,599 | +0.004% | 77 | |
20 | PIONEER FEDERAL CREDIT UNION | Strong | Sound | Sound | Exceptional | Strong | $2,801 | +0.087% | 77 | |
21 | Washington Trust Bank | Strong | Strong | Sound | Sound | Strong | $1,159 | +0.144% | 62 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,531 | +0.326% | 603 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,924 | +0.374% | 476 | |
24 | Glacier Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,517 | +0.074% | 476 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,519 | +0.296% | 403 | |
27 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,168 | +0.272% | 362 | |
28 | Mountain America Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $3,404 | -0.098% | 247 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,438 | +0.146% | 206 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $4,262 | +0.319% | 156 | |
34 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,435 | +0.463% | 140 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,430 | +0.188% | 127 | |
36 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
37 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,961 | +0.246% | 482 | |
38 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,613 | +0.172% | 273 | |
39 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,454 | +0.253% | 211 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,569 | +0.508% | 153 | |
41 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,926 | +0.230% | 123 | |
42 | WESTMARK Credit Union | Strong | Sound | Sound | Sound | Strong | $4,008 | -0.196% | 104 | |
43 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
44 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,675 | +0.046% | 91 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,514 | +0.243% | 90 | |
46 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Strong | $2,913 | +0.264% | 86 | |
47 | BEEHIVE | Strong | Sound | Sound | Sound | Strong | $3,540 | -0.002% | 78 | |
48 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.378% | 74 | |
50 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.033% | 57 |
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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