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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,463 | +0.035% | 2,187 | |
2 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $5,998 | +0.039% | 141 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,168 | +0.272% | 362 | |
4 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,407 | +0.478% | 163 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,298 | -0.612% | 134 | |
6 | IDAHO CENTRAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $2,451 | +0.135% | 3,043 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,450 | +0.049% | 406 | |
9 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,817 | +0.089% | 316 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,707 | -0.026% | 281 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $4,262 | +0.319% | 156 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,531 | +0.326% | 603 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,519 | +0.296% | 403 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,438 | +0.146% | 206 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,864 | +0.175% | 186 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
19 | Glacier Bank | Strong | Sound | Strong | Strong | Exceptional | $3,517 | +0.074% | 476 | |
20 | Mountain America Federal Credit Union | Strong | Strong | Strong | Sound | Strong | $3,404 | -0.098% | 247 | |
21 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,972 | +0.155% | 184 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
23 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,926 | +0.230% | 123 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,599 | +0.004% | 77 | |
25 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,088 | -0.153% | 63 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,924 | +0.374% | 476 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,811 | +0.468% | 199 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $3,211 | +0.320% | 108 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,675 | +0.046% | 91 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $32 | +0.453% | 340 | |
33 | First Federal Savings Bank of Twin Falls | Strong | Sound | — | Strong | Strong | $3,540 | -0.078% | 267 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,435 | +0.463% | 140 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,430 | +0.188% | 127 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
38 | Bank of England | Strong | Sound | Strong | Strong | Sound | $2,352 | +0.144% | 72 | |
39 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
40 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,507 | +0.400% | 512 | |
42 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,961 | +0.246% | 482 | |
43 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $4,454 | +0.253% | 211 | |
44 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.378% | 74 | |
46 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.033% | 57 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,425 | +0.351% | 502 | |
48 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,613 | +0.172% | 273 | |
49 | JMJ FINANCIAL GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,510 | +0.465% | 94 | |
50 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $3,881 | +0.381% | 75 |
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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