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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$381 | -0.083% | 1,471 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,117 | -0.300% | 1,113 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $679 | -0.229% | 878 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $758 | -0.218% | 709 | |
5 | SCHOOLSFIRST | Exceptional | Exceptional | Strong | Strong | Exceptional | $502 | -0.002% | 380 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $315 | -0.473% | 276 | |
7 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $718 | -0.034% | 562 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $466 | -0.694% | 168 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
10 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $65 | -0.093% | 172 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761 | +0.190% | 6,340 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,734 | +0.222% | 5,129 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,965 | +0.072% | 1,827 | |
14 | City National Bank | Exceptional | Strong | Strong | Sound | Exceptional | $2,482 | -0.046% | 444 | |
15 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $993 | -0.207% | 118 | |
16 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $657 | -0.292% | 107 | |
17 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,583 | +0.124% | 546 | |
19 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,465 | +0.287% | 466 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,463 | +0.340% | 426 | |
21 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $453 | +0.028% | 211 | |
22 | Barrington Bank & Trust Company, National Association | Strong | Strong | Strong | Sound | Strong | $3,177 | +0.295% | 117 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,956 | +0.086% | 666 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $2,035 | +0.411% | 338 | |
25 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,039 | +0.300% | 215 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,743 | +0.330% | 175 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,410 | +0.473% | 614 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,234 | +0.323% | 318 | |
30 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,205 | +0.238% | 292 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
32 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,233 | +0.336% | 145 | |
33 | LOGIX FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Strong | $984 | +0.239% | 127 | |
34 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,175 | +0.385% | 120 | |
35 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,720 | +0.542% | 777 | |
36 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,961 | +0.967% | 685 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,942 | +0.439% | 670 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,720 | +0.423% | 556 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,546 | +0.347% | 355 | |
40 | Logan Finance Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,134 | +1.023% | 334 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,651 | +0.272% | 288 | |
42 | AAA CAPITAL INVESTMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $2,464 | +0.233% | 348 | |
43 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,042 | +0.406% | 217 | |
44 | FIRST STANDARD FINANCIAL CORP. | Strong | Mediocre | Strong | Exceptional | Strong | $4,174 | +0.385% | 216 | |
45 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,026 | +0.621% | 211 | |
46 | CLEAREDGE LENDING LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,255 | +0.990% | 169 | |
47 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $7,517 | +1.296% | 145 | |
48 | ONY GLO, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,601 | +0.151% | 136 | |
49 | HOMEXPRESS MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $4,372 | +1.243% | 120 |
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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