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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,527 | -0.188% | 175 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,386 | -0.228% | 159 | |
3 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,105 | -0.288% | 103 | |
4 | FIRSTBANK PUERTO RICO | Exceptional | Exceptional | Strong | Strong | Strong | $1,564 | +0.002% | 99 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $508 | -0.491% | 73 | |
6 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $759 | -0.141% | 47 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,688 | +0.229% | 103 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $539 | -0.653% | 79 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,984 | +0.441% | 4,195 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,015 | +0.282% | 1,490 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,047 | +0.177% | 724 | |
12 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,720 | +0.111% | 79 | |
13 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,933 | -0.162% | 45 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,680 | +0.317% | 336 | |
15 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $3,819 | +0.151% | 231 | |
16 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,748 | +0.414% | 213 | |
17 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $733 | +0.288% | 74 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,763 | +0.361% | 230 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991 | +0.660% | 762 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.528% | 213 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,032 | +0.575% | 180 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,155 | +0.447% | 136 | |
23 | City National Bank of Florida | Strong | Sound | Strong | Sound | Strong | $1,977 | -0.341% | 108 | |
24 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,529 | +0.164% | 83 | |
25 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,333 | +1.026% | 67 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,763 | +0.222% | 58 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,526 | +0.539% | 277 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,686 | +0.338% | 40 | |
29 | A&D Mortgage LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,322 | +0.892% | 558 | |
30 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | -$1,510 | +1.061% | 128 | |
31 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Strong | Mediocre | Exceptional | Strong | Strong | $6,269 | +1.142% | 111 | |
32 | RELIABLE HOLDINGS MANAGER LLC | Strong | Mediocre | Strong | Exceptional | Strong | $6,091 | +1.159% | 70 | |
33 | CLEAREDGE LENDING LLC | Strong | Mediocre | Exceptional | Strong | Strong | $6,015 | +0.977% | 64 | |
34 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $4,260 | +0.571% | 288 | |
35 | DEEPHAVEN MORTGAGE LLC | Sound | Mediocre | Exceptional | Sound | Strong | $6,591 | +1.231% | 126 | |
36 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $5,927 | +0.517% | 91 | |
37 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $5,554 | +0.978% | 85 | |
38 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Strong | Sound | Sound | $5,802 | +1.012% | 49 | |
39 | Logan Finance Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $4,777 | +1.065% | 48 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,443 | +0.431% | 47 | |
41 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $6,070 | +0.891% | 44 | |
42 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $5,808 | +0.828% | 110 | |
43 | FIRST EQUITY MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,682 | +0.618% | 54 | |
44 | ARC HOME LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,728 | +1.039% | 40 |
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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