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 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,403 | -0.192% | 512 | |
2 | NBKC BANK | Exceptional | Exceptional | Sound | Exceptional | $192 | -0.086% | 592 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,190 | +0.364% | 121 | |
4 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | $1,702 | +0.040% | 867 | |
5 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | $1,629 | +0.105% | 581 | |
6 | First Bank | Exceptional | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $591 | -0.538% | 207 | |
8 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,699 | +0.121% | 147 | |
9 | Landmark National Bank | Exceptional | Strong | Exceptional | Strong | $1,071 | -0.065% | 122 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
11 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $688 | +0.180% | 364 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,917 | -0.109% | 218 | |
14 | First National Bank of Omaha | Strong | Strong | Strong | Strong | $795 | +0.274% | 171 | |
15 | Oakstar Bank | Strong | Strong | Strong | Strong | $649 | +0.027% | 168 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,294 | -0.038% | 92 | |
17 | Fidelity Bank, National Association | Strong | Strong | Strong | Strong | $994 | +0.471% | 90 | |
18 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Exceptional | $1,251 | +0.150% | 2,185 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,467 | +0.352% | 248 | |
20 | UMB Bank, National Association | Strong | Strong | Sound | Strong | $578 | +0.010% | 189 | |
21 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,197 | +0.091% | 162 | |
22 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $2,393 | +0.209% | 152 | |
23 | JLB CORPORATION | Strong | Sound | Exceptional | Strong | $4,650 | +0.265% | 145 | |
24 | Mid-America Bank | Strong | Sound | Exceptional | Strong | $948 | +0.339% | 90 | |
25 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $1,652 | +0.001% | 76 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
29 | The Central Trust Bank | Strong | Sound | Strong | Strong | $69 | +0.308% | 443 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,708 | +0.096% | 303 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,434 | +0.249% | 292 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,728 | -0.014% | 270 | |
33 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,472 | +0.369% | 199 | |
34 | First Federal Bank of Kansas City | Strong | Sound | Strong | Strong | $1,624 | +0.552% | 189 | |
35 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,944 | +0.292% | 153 | |
36 | Stride Bank, National Association | Strong | Sound | Strong | Strong | $1,315 | +0.218% | 135 | |
37 | NBH Bank | Strong | Sound | Strong | Strong | $985 | +0.402% | 127 | |
38 | NexBank | Strong | Sound | Strong | Strong | $1,118 | +0.366% | 94 | |
39 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $1,016 | +0.298% | 76 | |
40 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,427 | +0.586% | 60 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,896 | +0.335% | 694 | |
42 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,976 | +0.530% | 622 | |
43 | Arvest Bank | Strong | Acceptable | Strong | Exceptional | $1,363 | +0.181% | 582 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,226 | +0.415% | 579 | |
45 | Commerce Bank | Strong | Sound | Sound | Strong | $122 | +0.263% | 332 | |
46 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $2,191 | +0.222% | 298 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,487 | +0.121% | 166 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,239 | +0.430% | 162 | |
49 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,598 | +0.675% | 156 | |
50 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $2,717 | +0.283% | 61 |
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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