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 | Royal Credit Union | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,928 | +0.241% | 1,191 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $954 | -0.145% | 298 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $723 | -0.203% | 273 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $677 | +0.140% | 972 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $663 | -0.525% | 142 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $788 | -0.082% | 119 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,830 | -0.004% | 880 | |
8 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501 | +0.244% | 601 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,518 | -0.079% | 191 | |
10 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,765 | +0.340% | 172 | |
11 | Baxter Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | $852 | -0.008% | 154 | |
12 | TRUSTONE FINANCIAL CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $1,544 | -0.021% | 908 | |
13 | Wings Financial Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,446 | -0.247% | 571 | |
14 | Merchants Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $1,923 | -0.099% | 94 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
17 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,007 | +0.191% | 826 | |
18 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Exceptional | $1,331 | +0.322% | 647 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.175% | 620 | |
20 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,486 | +0.301% | 427 | |
21 | Spire Credit Union | Strong | Strong | Sound | Sound | Exceptional | $1,102 | +0.037% | 424 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.156% | 335 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,172 | +0.122% | 328 | |
24 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,682 | +0.362% | 223 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,539 | +0.087% | 167 | |
26 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964 | +0.254% | 3,624 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,504 | +0.404% | 1,467 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,421 | +0.109% | 745 | |
31 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $3,146 | +0.216% | 204 | |
32 | NexBank | Strong | Sound | Strong | Strong | Strong | $1,432 | +0.192% | 188 | |
33 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,251 | +0.158% | 161 | |
34 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,561 | -0.013% | 117 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,793 | +0.470% | 1,187 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,495 | +0.185% | 634 | |
37 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,358 | +0.344% | 468 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,711 | +0.444% | 440 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,983 | +0.455% | 436 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.272% | 431 | |
41 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,690 | +0.449% | 375 | |
42 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.304% | 325 | |
43 | AFFINITY PLUS | Strong | Sound | Strong | Sound | Strong | $2,556 | -0.054% | 300 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,719 | +0.517% | 278 | |
45 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,879 | +0.281% | 274 | |
46 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,553 | +0.291% | 221 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,388 | +0.299% | 198 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,779 | +0.238% | 194 | |
49 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,446 | +0.500% | 165 | |
50 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,014 | +0.601% | 135 |
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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