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 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
2 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $723 | -0.203% | 273 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,765 | +0.340% | 172 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $677 | +0.140% | 972 | |
6 | Alerus Financial, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $1,331 | +0.322% | 647 | |
7 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,501 | +0.244% | 601 | |
8 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $954 | -0.145% | 298 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,879 | +0.281% | 274 | |
10 | Royal Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,928 | +0.241% | 1,191 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,421 | +0.109% | 745 | |
12 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,690 | +0.449% | 375 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,504 | +0.404% | 1,467 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.175% | 620 | |
16 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,775 | -0.222% | 586 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,303 | +0.304% | 325 | |
18 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,553 | +0.291% | 221 | |
19 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,964 | +0.254% | 3,624 | |
20 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $1,544 | -0.021% | 908 | |
21 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,830 | -0.004% | 880 | |
22 | Tradition Mortgage, LLC | Strong | Sound | Sound | Strong | Exceptional | $2,007 | +0.191% | 826 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,457 | +0.320% | 453 | |
24 | GRANITE BANK | Strong | Sound | Strong | Strong | Strong | $3,212 | +0.313% | 318 | |
25 | Cambria Financial Group, LLC | Strong | Sound | Strong | Strong | Strong | $2,513 | +0.213% | 251 | |
26 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $3,146 | +0.216% | 204 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,388 | +0.299% | 198 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,446 | +0.500% | 165 | |
29 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,704 | +0.340% | 94 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,495 | +0.185% | 634 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,962 | +0.354% | 575 | |
32 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,358 | +0.344% | 468 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,711 | +0.444% | 440 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,983 | +0.455% | 436 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.272% | 431 | |
36 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,486 | +0.301% | 427 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,459 | +0.156% | 335 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,172 | +0.122% | 328 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,719 | +0.517% | 278 | |
40 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,682 | +0.362% | 223 | |
41 | Servion, Inc. | Strong | Sound | Strong | Sound | Strong | $2,251 | +0.158% | 161 | |
42 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,014 | +0.601% | 135 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
44 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,563 | +0.391% | 1,130 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,701 | +0.254% | 362 | |
46 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,318 | +0.177% | 187 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,539 | +0.087% | 167 | |
48 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,971 | +0.386% | 96 | |
49 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,650 | +0.126% | 93 | |
50 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,075 | +0.220% | 91 |
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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