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 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,912 | -0.705% | 542 | |
2 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,302 | -0.727% | 121 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
4 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,859 | +0.284% | 745 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $844 | -0.523% | 646 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,729 | -0.067% | 463 | |
7 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $49 | +0.562% | 280 | |
8 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $2,127 | -0.009% | 174 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,093 | +0.229% | 488 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $312 | -0.027% | 312 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,018 | +0.040% | 272 | |
12 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,925 | +0.070% | 216 | |
13 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,150 | +0.160% | 190 | |
14 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,050 | +0.274% | 99 | |
15 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,918 | +0.192% | 94 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,134 | +0.055% | 481 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,183 | +0.421% | 229 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,306 | +0.286% | 186 | |
19 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,776 | +0.382% | 135 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,084 | +0.275% | 101 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
22 | Bank of England | Strong | Sound | Strong | Strong | Exceptional | $2,300 | +0.155% | 510 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,052 | +0.130% | 241 | |
24 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,614 | +0.223% | 162 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,510 | +0.437% | 146 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,577 | +0.346% | 135 | |
27 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,154 | +0.032% | 128 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,718 | +0.442% | 107 | |
29 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,331 | +0.217% | 87 | |
30 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,765 | +0.171% | 86 | |
31 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,132 | -0.202% | 71 | |
32 | Renasant Bank | Strong | Sound | Exceptional | Exceptional | Sound | $2,958 | +0.058% | 65 | |
33 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,242 | +0.204% | 62 | |
34 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $935 | -0.093% | 53 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,118 | +0.395% | 592 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,947 | -0.061% | 203 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,258 | +0.461% | 172 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,207 | +0.545% | 115 | |
39 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,988 | -0.422% | 97 | |
40 | Florida Capital Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,130 | +0.310% | 67 | |
41 | VYSTAR CREDIT UNION | Strong | Sound | Sound | Sound | Exceptional | $2,527 | -0.015% | 501 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,898 | +0.485% | 309 | |
44 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,518 | -0.012% | 251 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.249% | 209 | |
46 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,453 | +0.354% | 193 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,243 | +0.295% | 179 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.180% | 125 | |
49 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,813 | +0.770% | 128 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,879 | +0.337% | 79 |
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.
Get personalized recommendations based on your specific needs