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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $677 | +0.140% | 972 | |
4 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,765 | +0.340% | 172 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $663 | -0.525% | 142 | |
6 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,964 | +0.254% | 3,624 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,421 | +0.109% | 745 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,495 | +0.185% | 634 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,962 | +0.354% | 575 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,879 | +0.281% | 274 | |
11 | Tradition Mortgage, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,007 | +0.191% | 826 | |
12 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,775 | -0.222% | 586 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,711 | +0.444% | 440 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,291 | +0.272% | 431 | |
15 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,172 | +0.122% | 328 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,388 | +0.299% | 198 | |
17 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,153 | -0.164% | 126 | |
18 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,704 | +0.340% | 94 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,504 | +0.404% | 1,467 | |
21 | TRUSTONE FINANCIAL CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $1,544 | -0.021% | 908 | |
22 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,830 | -0.004% | 880 | |
23 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Exceptional | $1,331 | +0.322% | 647 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.175% | 620 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,457 | +0.320% | 453 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.156% | 335 | |
27 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,303 | +0.304% | 325 | |
28 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,553 | +0.291% | 221 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,539 | +0.087% | 167 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $5,014 | +0.601% | 135 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
32 | Royal Credit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,928 | +0.241% | 1,191 | |
33 | Summit Mortgage Corporation | Strong | Sound | Strong | Sound | Exceptional | $3,358 | +0.344% | 468 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,257 | +0.502% | 333 | |
35 | GRANITE BANK | Strong | Sound | Strong | Strong | Strong | $3,212 | +0.313% | 318 | |
36 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,251 | +0.158% | 161 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,983 | +0.455% | 436 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,486 | +0.301% | 427 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,701 | +0.254% | 362 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,719 | +0.517% | 278 | |
41 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,513 | +0.213% | 251 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,779 | +0.238% | 194 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,446 | +0.500% | 165 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,793 | +0.470% | 1,187 | |
45 | Luminate Home Loans, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $4,563 | +0.391% | 1,130 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,234 | +0.638% | 592 | |
47 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Strong | $2,682 | +0.362% | 223 | |
48 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,597 | +0.513% | 221 | |
49 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,959 | +0.495% | 155 | |
50 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,791 | +0.712% | 120 |
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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