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 | Capitol Federal Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,403 | -0.192% | 512 | |
2 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Exceptional | $192 | -0.086% | 592 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $591 | -0.538% | 207 | |
4 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,702 | +0.040% | 867 | |
6 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,629 | +0.105% | 581 | |
7 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $688 | +0.180% | 364 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,917 | -0.109% | 218 | |
10 | First National Bank of Omaha | Exceptional | Strong | Exceptional | Strong | Strong | $795 | +0.274% | 171 | |
11 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,190 | +0.364% | 121 | |
12 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,294 | -0.038% | 92 | |
13 | Mid-America Bank | Exceptional | Strong | Strong | Exceptional | Strong | $948 | +0.339% | 90 | |
14 | COMMUNITYAMERICA CREDIT UNION | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,251 | +0.150% | 2,185 | |
15 | Oakstar Bank | Exceptional | Strong | Strong | Strong | Strong | $649 | +0.027% | 168 | |
16 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,197 | +0.091% | 162 | |
17 | Landmark National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,071 | -0.065% | 122 | |
18 | Fidelity Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $994 | +0.471% | 90 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
21 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $69 | +0.308% | 443 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,708 | +0.096% | 303 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,467 | +0.352% | 248 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,487 | +0.121% | 166 | |
26 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,393 | +0.209% | 152 | |
27 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $1,699 | +0.121% | 147 | |
28 | BOKF, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,707 | +0.378% | 135 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,094 | +0.340% | 1,933 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248 | +0.222% | 1,007 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
32 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,976 | +0.530% | 622 | |
33 | Arvest Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,728 | -0.014% | 270 | |
35 | UMB Bank, National Association | Strong | Strong | Sound | Sound | Strong | $578 | +0.010% | 189 | |
36 | Stride Bank, National Association | Strong | Sound | Strong | Strong | Strong | $1,315 | +0.218% | 135 | |
37 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,118 | +0.366% | 94 | |
38 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,016 | +0.298% | 76 | |
39 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,717 | +0.283% | 61 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
42 | Commerce Bank | Strong | Sound | Strong | Sound | Strong | $122 | +0.263% | 332 | |
43 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,191 | +0.222% | 298 | |
44 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,434 | +0.249% | 292 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,625 | +0.311% | 280 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,032 | +0.387% | 237 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,239 | +0.430% | 162 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,598 | +0.675% | 156 | |
49 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
50 | NBH Bank | Strong | Sound | Strong | Sound | Strong | $985 | +0.402% | 127 |
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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