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 | ONE NEVADA CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,726 | -0.249% | 217 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $907 | -0.515% | 310 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,693 | +0.369% | 197 | |
4 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $771 | -0.314% | 93 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,663 | +0.256% | 2,931 | |
6 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,126 | +0.046% | 401 | |
7 | Zions Bancorporation, N.A. | Strong | Strong | Sound | Exceptional | $1,497 | -0.131% | 294 | |
8 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,226 | -0.125% | 190 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,511 | +0.096% | 884 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,937 | +0.449% | 604 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $3,280 | +0.260% | 578 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,167 | +0.138% | 536 | |
13 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Exceptional | $2,024 | +0.712% | 490 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,080 | +0.059% | 319 | |
15 | CLARK COUNTY CREDIT UNION | Strong | Strong | Sound | Strong | $2,776 | +0.038% | 114 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,663 | +0.220% | 1,835 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,161 | +0.272% | 1,598 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,962 | +0.208% | 410 | |
19 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $5,137 | +0.472% | 122 | |
20 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,849 | +0.297% | 112 | |
21 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $3,716 | +0.337% | 73 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,097 | +0.628% | 493 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $4,271 | +0.462% | 431 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,311 | +0.526% | 410 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,434 | +0.674% | 390 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,631 | +0.519% | 236 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,128 | +0.161% | 218 | |
28 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,638 | +0.337% | 146 | |
29 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,621 | +0.270% | 142 | |
30 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Strong | $2,025 | +0.200% | 110 | |
31 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,491 | -0.201% | 110 | |
32 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,164 | -0.079% | 96 | |
33 | Mountain America Federal Credit Union | Strong | Sound | Sound | Strong | $2,949 | -0.003% | 72 | |
34 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,950 | +0.465% | 69 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $4,664 | +0.424% | 672 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $4,408 | +0.461% | 374 | |
37 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $4,980 | +0.415% | 326 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,113 | +0.345% | 284 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,883 | +0.482% | 191 | |
40 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,127 | +0.959% | 179 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,331 | +0.364% | 172 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,735 | +0.498% | 171 | |
43 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,926 | +0.231% | 155 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,037 | +0.382% | 154 | |
45 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,905 | +0.225% | 142 | |
46 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,844 | +0.428% | 122 | |
47 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,986 | +0.380% | 117 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,090 | +0.543% | 113 | |
49 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,624 | +0.351% | 78 | |
50 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $5,511 | +0.502% | 74 |
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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