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 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,004 | +0.183% | 494 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,042 | +0.408% | 531 | |
3 | Elements Financial Federal Credit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,096 | +0.115% | 452 | |
4 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $628 | -0.050% | 223 | |
5 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Strong | $430 | +0.201% | 109 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,607 | +0.279% | 1,801 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,291 | +0.004% | 966 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,950 | +0.346% | 501 | |
9 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $863 | -0.418% | 342 | |
10 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $966 | +0.234% | 190 | |
11 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,107 | +0.299% | 100 | |
12 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,197 | -0.533% | 414 | |
13 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $696 | +0.264% | 409 | |
14 | INDIANA MEMBERS CREDIT UNION | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $1,106 | -0.235% | 323 | |
15 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,021 | +0.032% | 210 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,428 | -0.038% | 144 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $582 | +0.150% | 121 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.386% | 2,281 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,630 | +0.552% | 1,580 | |
20 | MJW FINANCIAL LLC | Strong | Sound | Strong | Strong | Exceptional | $1,564 | +0.354% | 1,020 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,167 | +0.470% | 731 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,193 | +0.661% | 647 | |
23 | First Merchants Bank | Strong | Strong | Strong | Sound | Strong | $976 | +0.254% | 254 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,102 | +0.456% | 251 | |
25 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$463 | +0.260% | 210 | |
26 | The State Bank and Trust Company | Strong | Strong | Sound | Strong | Strong | $1,022 | +0.146% | 162 | |
27 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,637 | +0.547% | 159 | |
28 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,686 | +0.297% | 83 | |
29 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,858 | +0.375% | 1,232 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,887 | +0.209% | 765 | |
31 | FORUM | Strong | Strong | Sound | Acceptable | Exceptional | $1,168 | +0.018% | 411 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,196 | +0.363% | 264 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,767 | +0.628% | 240 | |
34 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,401 | +0.415% | 165 | |
35 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,728 | +0.596% | 117 | |
36 | Centier Bank | Strong | Strong | Sound | Sound | Strong | $569 | +0.554% | 105 | |
37 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,970 | +0.371% | 83 | |
38 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,161 | +0.446% | 1,693 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,085 | +0.440% | 421 | |
40 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $2,260 | +0.506% | 337 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.371% | 261 | |
42 | MILESTONE HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,338 | +0.624% | 235 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,843 | +0.581% | 135 | |
44 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,132 | +0.567% | 105 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,806 | +0.249% | 99 | |
46 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,778 | +0.660% | 89 | |
47 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,721 | +0.507% | 88 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,742 | +0.444% | 520 | |
49 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $3,906 | +0.672% | 238 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,578 | +0.269% | 121 |
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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