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 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,105 | -0.288% | 103 | |
2 | FIRSTBANK PUERTO RICO | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,564 | +0.002% | 99 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,386 | -0.228% | 159 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $539 | -0.653% | 79 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,968 | -0.146% | 72 | |
6 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,047 | +0.177% | 724 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,527 | -0.188% | 175 | |
8 | City National Bank of Florida | Exceptional | Exceptional | Sound | Sound | Strong | $1,977 | -0.341% | 108 | |
9 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,720 | +0.111% | 79 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $508 | -0.491% | 73 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $759 | -0.141% | 47 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,984 | +0.441% | 4,195 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,015 | +0.282% | 1,490 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,763 | +0.361% | 230 | |
15 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,529 | +0.164% | 83 | |
16 | SPACE COAST CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $929 | +0.132% | 83 | |
17 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,933 | -0.162% | 45 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.660% | 762 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,680 | +0.317% | 336 | |
20 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $5,494 | +0.582% | 97 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,839 | +0.480% | 65 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,028 | +0.298% | 47 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $4,260 | +0.571% | 288 | |
24 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,819 | +0.151% | 231 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.528% | 213 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,748 | +0.414% | 213 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,109 | +0.237% | 199 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,032 | +0.575% | 180 | |
29 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $4,250 | +0.494% | 137 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,155 | +0.447% | 136 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,688 | +0.229% | 103 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,262 | +0.349% | 93 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,906 | +0.244% | 92 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,416 | +0.377% | 86 | |
35 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,473 | +0.707% | 84 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,533 | +0.614% | 79 | |
37 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $733 | +0.288% | 74 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,526 | +0.539% | 277 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,286 | +0.463% | 56 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,120 | +0.503% | 54 | |
41 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,718 | +0.606% | 45 | |
42 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,061 | +0.376% | 45 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,686 | +0.338% | 40 | |
44 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,285 | -0.305% | 164 | |
45 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,215 | +0.799% | 106 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,763 | +0.222% | 58 | |
47 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,890 | +0.448% | 54 | |
48 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Sound | $5,546 | +0.528% | 41 | |
49 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $6,032 | +1.181% | 125 | |
50 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,922 | -0.190% | 73 |
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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