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 | ONE NEVADA CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,726 | -0.249% | 217 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,693 | +0.369% | 197 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,663 | +0.256% | 2,931 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,280 | +0.260% | 578 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,962 | +0.208% | 410 | |
6 | Zions Bancorporation, N.A. | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,497 | -0.131% | 294 | |
7 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,905 | +0.225% | 142 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $771 | -0.314% | 93 | |
9 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511 | +0.096% | 884 | |
10 | INSPIRE HOME LOANS INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,024 | +0.712% | 490 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,126 | +0.046% | 401 | |
12 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,491 | -0.201% | 110 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663 | +0.220% | 1,835 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,113 | +0.345% | 284 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,735 | +0.498% | 171 | |
16 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,926 | +0.231% | 155 | |
17 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,638 | +0.337% | 146 | |
18 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $5,137 | +0.472% | 122 | |
19 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,986 | +0.380% | 117 | |
20 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,624 | +0.351% | 78 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.272% | 1,598 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,937 | +0.449% | 604 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $3,167 | +0.138% | 536 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434 | +0.674% | 390 | |
25 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,828 | +0.984% | 185 | |
26 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,621 | +0.270% | 142 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,660 | +0.414% | 134 | |
28 | CLARK COUNTY CREDIT UNION | Strong | Strong | Sound | Sound | Strong | $2,776 | +0.038% | 114 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,950 | +0.465% | 69 | |
30 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,271 | +0.462% | 431 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,311 | +0.526% | 410 | |
32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,980 | +0.415% | 326 | |
33 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,080 | +0.059% | 319 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,631 | +0.519% | 236 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.482% | 191 | |
36 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,127 | +0.959% | 179 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,037 | +0.382% | 154 | |
38 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,844 | +0.428% | 122 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,090 | +0.543% | 113 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,849 | +0.297% | 112 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,097 | +0.628% | 493 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,128 | +0.161% | 218 | |
43 | RMS & ASSOCIATES | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,976 | +0.705% | 140 | |
44 | AMERICA FIRST Federal Credit Union | Strong | Sound | Sound | Sound | Strong | $2,025 | +0.200% | 110 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,747 | +0.689% | 99 | |
46 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,586 | +0.802% | 96 | |
47 | DATA MORTGAGE, INC. | Strong | Sound | Sound | Sound | Strong | $4,094 | +0.602% | 81 | |
48 | HIGHTECHLENDING INC | Strong | Acceptable | Strong | Strong | Strong | $5,287 | +0.480% | 68 | |
49 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $4,613 | +0.670% | 289 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,724 | +0.527% | 68 |
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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