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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Exceptional | -$293 | -0.302% | 465 | |
2 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Exceptional | -$490 | -0.218% | 204 | |
3 | Provident Bank | Exceptional | Exceptional | Sound | Exceptional | $67 | -0.089% | 191 | |
4 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | $1,010 | -0.254% | 138 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $413 | -0.528% | 120 | |
6 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $1,075 | -0.050% | 76 | |
7 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Exceptional | $1,746 | +0.021% | 502 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,023 | -0.082% | 201 | |
9 | Manasquan Bank | Exceptional | Strong | Strong | Exceptional | $199 | +0.107% | 169 | |
10 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | -$342 | -0.087% | 150 | |
11 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $523 | -0.220% | 136 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $389 | -0.453% | 124 | |
13 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,042 | +0.136% | 63 | |
14 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $264 | -0.312% | 60 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,026 | +0.163% | 1,644 | |
16 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Exceptional | $2,168 | +0.246% | 985 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,513 | -0.123% | 482 | |
18 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,155 | -0.267% | 345 | |
19 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $142 | -0.102% | 293 | |
20 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $962 | -0.065% | 214 | |
21 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$72 | -0.004% | 148 | |
22 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $888 | -0.057% | 127 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,784 | +0.095% | 731 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,497 | +0.202% | 592 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,212 | +0.068% | 527 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,809 | +0.258% | 517 | |
27 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,460 | +0.046% | 101 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,326 | +0.330% | 77 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,580 | +0.356% | 448 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,614 | +0.468% | 419 | |
32 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $893 | +0.114% | 303 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,925 | +0.059% | 274 | |
34 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,312 | +0.338% | 131 | |
35 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,095 | +0.383% | 109 | |
36 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $3,526 | +0.287% | 62 | |
37 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $3,300 | +0.382% | 60 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,892 | +0.364% | 157 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,625 | +0.399% | 139 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $457 | -0.131% | 127 | |
42 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $4,043 | +0.611% | 81 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,058 | +0.341% | 75 | |
44 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,302 | +0.136% | 64 | |
45 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,918 | +0.253% | 64 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,092 | +0.517% | 296 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,351 | +0.180% | 242 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,570 | +0.246% | 209 | |
49 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,471 | +0.276% | 199 | |
50 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,416 | +0.328% | 181 |
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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