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 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $192 | -0.086% | 592 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
3 | Armed Forces Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,652 | +0.001% | 76 | |
4 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $2,427 | +0.586% | 60 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,702 | +0.040% | 867 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
7 | Arvest Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,363 | +0.181% | 582 | |
8 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,629 | +0.105% | 581 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $591 | -0.538% | 207 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,393 | +0.209% | 152 | |
11 | First Federal Bank | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,699 | +0.121% | 147 | |
12 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,190 | +0.364% | 121 | |
13 | North American Savings Bank, F.S.B. | Exceptional | Exceptional | Strong | Strong | Strong | $906 | +0.232% | 64 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,248 | +0.222% | 1,007 | |
15 | First Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,422 | +0.049% | 465 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $688 | +0.180% | 364 | |
17 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,434 | +0.249% | 292 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,728 | -0.014% | 270 | |
19 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
20 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,191 | +0.222% | 298 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,467 | +0.352% | 248 | |
22 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,700 | -0.120% | 122 | |
23 | COMMUNITYAMERICA CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,251 | +0.150% | 2,185 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,094 | +0.340% | 1,933 | |
26 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
27 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,625 | +0.311% | 280 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,179 | +0.379% | 195 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,487 | +0.121% | 166 | |
31 | Stride Bank, National Association | Strong | Sound | Strong | Exceptional | Strong | $1,315 | +0.218% | 135 | |
32 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,530 | +0.421% | 90 | |
33 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $69 | +0.308% | 443 | |
34 | Oakstar Bank | Strong | Strong | Acceptable | Strong | Strong | $649 | +0.027% | 168 | |
35 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,598 | +0.675% | 156 | |
36 | Midwest Mortgage Associates Corporation | Strong | Sound | Strong | Strong | Strong | $1,608 | +0.368% | 102 | |
37 | American Mortgage Bank, LLC | Strong | Sound | Strong | Strong | Strong | $2,545 | +0.546% | 76 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,766 | +0.321% | 525 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,032 | +0.387% | 237 | |
42 | ENDEAVOR CAPITAL, LLC. | Strong | Sound | Strong | Sound | Strong | $1,826 | +0.261% | 222 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,239 | +0.430% | 162 | |
44 | Academy Bank, National Association | Strong | Strong | Sound | Acceptable | Strong | $1,137 | +0.322% | 153 | |
45 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $2,955 | -0.332% | 90 | |
46 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,976 | +0.530% | 622 | |
47 | HALLMARK HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,839 | +0.715% | 144 | |
48 | Mazuma Credit Union | Strong | Sound | — | Sound | Strong | $1,359 | +0.485% | 135 | |
49 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,741 | +0.508% | 89 | |
50 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | 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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