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 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,059 | +0.497% | 45 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,799 | +0.641% | 19 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.562% | 115 | |
4 | Horizon Bank | Strong | Sound | Strong | Strong | Exceptional | $1,462 | +0.542% | 88 | |
5 | Centier Bank | Strong | Sound | Strong | Strong | Exceptional | $1,096 | +0.545% | 46 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,031 | +0.415% | 41 | |
7 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,200 | +0.536% | 27 | |
8 | PURDUE | Strong | Strong | Strong | Strong | Sound | $1,040 | +0.706% | 16 | |
9 | EVERWISE CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $239 | +0.212% | 11 | |
10 | 1st Source Bank | Strong | Sound | Strong | Strong | Strong | $1,006 | +0.639% | 38 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,218 | +0.376% | 21 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.521% | 51 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,838 | +1.049% | 32 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.495% | 32 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,762 | +0.914% | 26 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,855 | +0.552% | 22 | |
17 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,579 | +1.007% | 26 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,658 | +0.642% | 18 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,380 | +0.395% | 12 | |
20 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Sound | $1,181 | +0.847% | 12 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,147 | +0.514% | 11 | |
22 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,649 | +0.875% | 38 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,981 | +0.651% | 16 | |
24 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,460 | +0.827% | 15 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,018 | +0.617% | 10 | |
26 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,974 | +0.887% | 20 | |
27 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $1,690 | +0.681% | 10 | |
28 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,721 | +1.704% | 11 | |
29 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $5,618 | +0.348% | 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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