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 | Exceptional | $844 | -0.523% | 646 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $312 | -0.027% | 312 | |
3 | COMMUNITY FIRST CREDIT UNION OF FLO | Exceptional | Exceptional | Sound | Sound | Exceptional | -$836 | -0.150% | 204 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,644 | -0.264% | 174 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.032% | 128 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $795 | -0.106% | 67 | |
7 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,134 | +0.055% | 481 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,947 | -0.061% | 203 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $912 | +0.007% | 77 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $469 | -0.407% | 66 | |
12 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,650 | +0.017% | 64 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
15 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Exceptional | $1,912 | -0.705% | 542 | |
16 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Exceptional | $49 | +0.562% | 280 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.286% | 186 | |
18 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $2,127 | -0.009% | 174 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,718 | +0.442% | 107 | |
20 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $935 | -0.093% | 53 | |
21 | VYSTAR CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $2,527 | -0.015% | 501 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,093 | +0.229% | 488 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,729 | -0.067% | 463 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,018 | +0.040% | 272 | |
25 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Strong | $2,369 | +0.239% | 113 | |
26 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,662 | +0.283% | 64 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,898 | +0.485% | 309 | |
29 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,518 | -0.012% | 251 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,052 | +0.130% | 241 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.421% | 229 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.249% | 209 | |
33 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,453 | +0.354% | 193 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,150 | +0.160% | 190 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,243 | +0.295% | 179 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,258 | +0.461% | 172 | |
37 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,614 | +0.223% | 162 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,510 | +0.437% | 146 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,776 | +0.382% | 135 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.180% | 125 | |
41 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.275% | 101 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,050 | +0.274% | 99 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.192% | 94 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,331 | +0.217% | 87 | |
45 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,212 | +0.479% | 75 | |
46 | Florida Capital Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,130 | +0.310% | 67 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,118 | +0.395% | 592 | |
48 | Bank of England | Strong | Acceptable | Strong | Sound | Exceptional | $2,300 | +0.155% | 510 | |
49 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,925 | +0.070% | 216 | |
50 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,765 | +0.171% | 86 |
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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