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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $907 | -0.515% | 310 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,126 | +0.046% | 401 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,226 | -0.125% | 190 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $771 | -0.314% | 93 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511 | +0.096% | 884 | |
6 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,167 | +0.138% | 536 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,080 | +0.059% | 319 | |
8 | Zions Bancorporation, N.A. | Exceptional | Strong | Strong | Sound | Exceptional | $1,497 | -0.131% | 294 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.256% | 2,931 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663 | +0.220% | 1,835 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,280 | +0.260% | 578 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,128 | +0.161% | 218 | |
13 | ONE NEVADA CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $1,726 | -0.249% | 217 | |
14 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,849 | +0.297% | 112 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.272% | 1,598 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,937 | +0.449% | 604 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,097 | +0.628% | 493 | |
18 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,621 | +0.270% | 142 | |
19 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $3,716 | +0.337% | 73 | |
20 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,950 | +0.465% | 69 | |
21 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,664 | +0.424% | 672 | |
22 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,024 | +0.712% | 490 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,271 | +0.462% | 431 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,311 | +0.526% | 410 | |
25 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,962 | +0.208% | 410 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,434 | +0.674% | 390 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,113 | +0.345% | 284 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,631 | +0.519% | 236 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.482% | 191 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,331 | +0.364% | 172 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,735 | +0.498% | 171 | |
32 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,926 | +0.231% | 155 | |
33 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,638 | +0.337% | 146 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,905 | +0.225% | 142 | |
35 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $5,137 | +0.472% | 122 | |
36 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,986 | +0.380% | 117 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,090 | +0.543% | 113 | |
38 | AMERICA FIRST Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $2,025 | +0.200% | 110 | |
39 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,491 | -0.201% | 110 | |
40 | Mountain America Federal Credit Union | Strong | Sound | Strong | Sound | Strong | $2,949 | -0.003% | 72 | |
41 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,980 | +0.415% | 326 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,660 | +0.414% | 134 | |
43 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,844 | +0.428% | 122 | |
44 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,164 | -0.079% | 96 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,408 | +0.461% | 374 | |
46 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,693 | +0.369% | 197 | |
47 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,238 | +0.605% | 174 | |
48 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,037 | +0.382% | 154 | |
49 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,747 | +0.689% | 99 | |
50 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $5,624 | +0.351% | 78 |
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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