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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | $2,969 | +1.136% | 88 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,280 | +0.105% | 192 | |
3 | FREEDOM FIRST Federal Credit Union | Strong | Strong | Strong | Strong | $1,628 | +0.301% | 48 | |
4 | Truist Bank | Strong | Strong | Strong | Strong | $1,716 | +0.347% | 42 | |
5 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $698 | -0.475% | 35 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,403 | -0.065% | 32 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,337 | +0.274% | 447 | |
8 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $1,844 | +0.578% | 188 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,020 | +0.518% | 142 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,618 | +0.492% | 139 | |
11 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $2,315 | +0.108% | 50 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,617 | +0.239% | 35 | |
13 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,519 | +0.253% | 95 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,913 | +0.338% | 74 | |
15 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,103 | +0.786% | 40 | |
16 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $1,202 | +0.391% | 38 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,844 | +0.253% | 31 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $2,662 | +0.749% | 29 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,842 | +0.017% | 21 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,733 | +0.127% | 20 | |
21 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,347 | +0.525% | 109 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $3,140 | +0.469% | 71 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,767 | -0.157% | 58 | |
24 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $4,232 | +0.230% | 43 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,485 | +0.385% | 34 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,478 | +0.252% | 29 | |
27 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,307 | +0.024% | 23 | |
28 | Beacon Credit Union, Incorporated | Strong | Sound | Acceptable | Strong | $2,093 | -0.204% | 21 | |
29 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $1,994 | +0.263% | 27 | |
30 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,930 | +0.064% | 27 | |
31 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $1,113 | +0.428% | 24 | |
32 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,900 | +0.424% | 37 | |
33 | FIRST BANCORP, INC. | Sound | Mediocre | Sound | Strong | $2,639 | +0.266% | 31 |
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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