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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | -$293 | -0.302% | 465 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,746 | +0.021% | 502 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,023 | -0.082% | 201 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $523 | -0.220% | 136 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $389 | -0.453% | 124 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,513 | -0.123% | 482 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,155 | -0.267% | 345 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $142 | -0.102% | 293 | |
9 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Exceptional | -$490 | -0.218% | 204 | |
10 | Provident Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $67 | -0.089% | 191 | |
11 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$72 | -0.004% | 148 | |
12 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $413 | -0.528% | 120 | |
13 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,075 | -0.050% | 76 | |
14 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168 | +0.246% | 985 | |
15 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497 | +0.202% | 592 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,212 | +0.068% | 527 | |
17 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $962 | -0.065% | 214 | |
18 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Strong | -$342 | -0.087% | 150 | |
19 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,010 | -0.254% | 138 | |
20 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,042 | +0.136% | 63 | |
21 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $264 | -0.312% | 60 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,026 | +0.163% | 1,644 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,809 | +0.258% | 517 | |
25 | Manasquan Bank | Strong | Strong | Sound | Sound | Exceptional | $199 | +0.107% | 169 | |
26 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $888 | -0.057% | 127 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $457 | -0.131% | 127 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,239 | +0.399% | 109 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,326 | +0.330% | 77 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784 | +0.095% | 731 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580 | +0.356% | 448 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614 | +0.468% | 419 | |
34 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $893 | +0.114% | 303 | |
35 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,460 | +0.046% | 101 | |
36 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043 | +0.611% | 81 | |
37 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,918 | +0.253% | 64 | |
38 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,302 | +0.136% | 64 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,092 | +0.517% | 296 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.246% | 209 | |
41 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.276% | 199 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,892 | +0.364% | 157 | |
43 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,258 | +0.314% | 140 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,625 | +0.399% | 139 | |
45 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,312 | +0.338% | 131 | |
46 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,924 | +0.474% | 123 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,736 | +0.341% | 112 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.380% | 88 | |
49 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,259 | +0.520% | 83 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,058 | +0.341% | 75 |
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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