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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Strong | $2,969 | +1.136% | 88 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,716 | +0.347% | 42 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $698 | -0.475% | 35 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,403 | -0.065% | 32 | |
5 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | Sound | $1,588 | -0.024% | 19 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,337 | +0.274% | 447 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,280 | +0.105% | 192 | |
8 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,844 | +0.578% | 188 | |
9 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020 | +0.518% | 142 | |
10 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,519 | +0.253% | 95 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,617 | +0.239% | 35 | |
12 | Virginia Credit Union, Inc. | Strong | Strong | Strong | Strong | Sound | $1,286 | +0.429% | 15 | |
13 | CAPITAL CENTER, L.L.C. | Strong | Strong | Strong | Strong | Sound | $2,770 | +0.462% | 12 | |
14 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,652 | +0.393% | 12 | |
15 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,080 | +0.177% | 11 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,618 | +0.492% | 139 | |
17 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $2,315 | +0.108% | 50 | |
18 | FREEDOM FIRST Federal Credit Union | Strong | Sound | Strong | Strong | Strong | $1,628 | +0.301% | 48 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,662 | +0.749% | 29 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,733 | +0.127% | 20 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $1,081 | +0.022% | 12 | |
22 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $655 | -0.576% | 10 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,347 | +0.525% | 109 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,913 | +0.338% | 74 | |
25 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,232 | +0.230% | 43 | |
26 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,202 | +0.391% | 38 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,842 | +0.017% | 21 | |
28 | Pinnacle Bank | Strong | Sound | Strong | Strong | Sound | $1,236 | +0.088% | 11 | |
29 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,103 | +0.786% | 40 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,485 | +0.385% | 34 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,478 | +0.252% | 29 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,994 | +0.263% | 27 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,930 | +0.064% | 27 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,113 | +0.428% | 24 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,568 | +0.558% | 19 | |
36 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,060 | +0.212% | 15 | |
37 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,553 | +0.490% | 15 | |
38 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,632 | +0.493% | 14 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,397 | +0.387% | 13 | |
40 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,965 | -0.791% | 13 | |
41 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,360 | +0.261% | 12 | |
42 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Sound | $1,559 | -0.183% | 12 | |
43 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,784 | +0.441% | 11 | |
44 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,140 | +0.469% | 71 | |
45 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,900 | +0.424% | 37 | |
46 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,307 | +0.024% | 23 | |
47 | Beacon Credit Union, Incorporated | Strong | Sound | Acceptable | Sound | Strong | $2,093 | -0.204% | 21 | |
48 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,415 | +0.815% | 12 | |
49 | FIRST BANCORP, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,639 | +0.266% | 31 | |
50 | MORTGAGE ACCESS CORP. | Sound | Acceptable | Strong | Sound | Sound | $3,620 | +0.359% | 13 |
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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