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 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | $1,096 | +0.115% | 452 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $863 | -0.418% | 342 | |
3 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $1,106 | -0.235% | 323 | |
4 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $628 | -0.050% | 223 | |
5 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | $430 | +0.201% | 109 | |
6 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $1,042 | +0.408% | 531 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $594 | -0.446% | 137 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,085 | +0.037% | 121 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,607 | +0.279% | 1,801 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $4,291 | +0.004% | 966 | |
11 | FORUM | Strong | Strong | Sound | Exceptional | $1,168 | +0.018% | 411 | |
12 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $696 | +0.264% | 409 | |
13 | First Merchants Bank | Strong | Strong | Strong | Strong | $976 | +0.254% | 254 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$463 | +0.260% | 210 | |
15 | KeyBank National Association | Strong | Strong | Strong | Strong | $966 | +0.234% | 190 | |
16 | The State Bank and Trust Company | Strong | Strong | Strong | Strong | $1,022 | +0.146% | 162 | |
17 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $582 | +0.150% | 121 | |
18 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,012 | -0.044% | 102 | |
19 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,858 | +0.375% | 1,232 | |
20 | MJW FINANCIAL LLC | Strong | Sound | Strong | Exceptional | $1,564 | +0.354% | 1,020 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,887 | +0.209% | 765 | |
22 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,004 | +0.183% | 494 | |
23 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,005 | +0.126% | 128 | |
24 | Centra Credit Union | Strong | Sound | Exceptional | Strong | $897 | +0.254% | 102 | |
25 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,059 | +0.124% | 90 | |
26 | Jackson County Bank | Strong | Strong | Sound | Strong | $1,174 | +0.154% | 80 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,533 | +0.386% | 2,281 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,630 | +0.552% | 1,580 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,193 | +0.661% | 647 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,950 | +0.346% | 501 | |
31 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,977 | +0.371% | 261 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,102 | +0.456% | 251 | |
33 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $1,383 | +0.156% | 192 | |
34 | Regions Bank | Strong | Sound | Strong | Strong | $1,401 | +0.415% | 165 | |
35 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,428 | -0.038% | 144 | |
36 | Centier Bank | Strong | Sound | Strong | Strong | $569 | +0.554% | 105 | |
37 | First Financial Bank | Strong | Sound | Strong | Strong | $1,565 | +0.467% | 103 | |
38 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,686 | +0.297% | 83 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,829 | +0.636% | 804 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,085 | +0.440% | 421 | |
41 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $6,197 | -0.533% | 414 | |
42 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,767 | +0.628% | 240 | |
43 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $4,021 | +0.032% | 210 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,728 | +0.596% | 117 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,132 | +0.567% | 105 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,290 | +0.105% | 102 | |
47 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,762 | -0.163% | 89 | |
48 | STAR Financial Bank | Strong | Sound | Sound | Strong | $1,050 | +0.063% | 89 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,742 | +0.444% | 520 | |
50 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,196 | +0.363% | 264 |
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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