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 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $863 | -0.418% | 342 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,042 | +0.408% | 531 | |
3 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,096 | +0.115% | 452 | |
4 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,106 | -0.235% | 323 | |
5 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $628 | -0.050% | 223 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $594 | -0.446% | 137 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,085 | +0.037% | 121 | |
8 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Strong | $976 | +0.254% | 254 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$463 | +0.260% | 210 | |
10 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $966 | +0.234% | 190 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $582 | +0.150% | 121 | |
12 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,012 | -0.044% | 102 | |
13 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,858 | +0.375% | 1,232 | |
14 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,291 | +0.004% | 966 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,887 | +0.209% | 765 | |
16 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,004 | +0.183% | 494 | |
17 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $696 | +0.264% | 409 | |
18 | The State Bank and Trust Company | Exceptional | Strong | Strong | Strong | Strong | $1,022 | +0.146% | 162 | |
19 | EVERWISE CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $430 | +0.201% | 109 | |
20 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,059 | +0.124% | 90 | |
21 | Jackson County Bank | Exceptional | Strong | Strong | Strong | Strong | $1,174 | +0.154% | 80 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.386% | 2,281 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,607 | +0.279% | 1,801 | |
24 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,564 | +0.354% | 1,020 | |
25 | FORUM | Strong | Strong | Sound | Sound | Exceptional | $1,168 | +0.018% | 411 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,102 | +0.456% | 251 | |
27 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,005 | +0.126% | 128 | |
28 | First Financial Bank | Strong | Sound | Exceptional | Strong | Strong | $1,565 | +0.467% | 103 | |
29 | Centra Credit Union | Strong | Sound | Strong | Exceptional | Strong | $897 | +0.254% | 102 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,290 | +0.105% | 102 | |
31 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,686 | +0.297% | 83 | |
32 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,161 | +0.446% | 1,693 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.552% | 1,580 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,829 | +0.636% | 804 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,193 | +0.661% | 647 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,428 | -0.038% | 144 | |
37 | Centier Bank | Strong | Sound | Strong | Strong | Strong | $569 | +0.554% | 105 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,874 | +0.701% | 77 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,085 | +0.440% | 421 | |
40 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $6,197 | -0.533% | 414 | |
41 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,196 | +0.363% | 264 | |
42 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.371% | 261 | |
43 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,767 | +0.628% | 240 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,227 | +0.652% | 206 | |
45 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,401 | +0.415% | 165 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,637 | +0.547% | 159 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,843 | +0.581% | 135 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,728 | +0.596% | 117 | |
49 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,132 | +0.567% | 105 | |
50 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,107 | +0.299% | 100 |
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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