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 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,829 | +0.254% | 47 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $981 | -0.207% | 13 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $174 | -0.474% | 12 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,626 | +0.130% | 17 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,848 | +0.234% | 691 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,145 | +0.211% | 445 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,526 | +0.026% | 119 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $4,185 | +0.157% | 115 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,815 | -0.109% | 35 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,719 | +0.500% | 219 | |
11 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,912 | +0.383% | 170 | |
12 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,573 | -0.462% | 13 | |
13 | BMO Bank National Association | Strong | Strong | Strong | Sound | Sound | $2,095 | +0.262% | 13 | |
14 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $5,527 | +0.430% | 140 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,385 | +0.399% | 139 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,154 | +0.462% | 112 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,282 | +0.393% | 64 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,155 | +0.343% | 50 | |
19 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,579 | +0.002% | 33 | |
20 | Tri Counties Bank | Strong | Strong | Sound | Sound | Sound | -$2,337 | -0.162% | 17 | |
21 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,565 | +0.406% | 232 | |
22 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $5,870 | +0.377% | 113 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,643 | +0.425% | 40 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $4,326 | +0.223% | 37 | |
25 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $5,809 | +0.163% | 33 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,002 | +0.384% | 32 | |
27 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Sound | $1,613 | +0.089% | 26 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,379 | +0.424% | 24 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,846 | +0.542% | 23 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $7,366 | +0.610% | 22 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,554 | +0.413% | 16 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,712 | +0.386% | 16 | |
33 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,683 | +0.494% | 15 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,237 | +0.248% | 13 | |
35 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $2,220 | +0.437% | 13 | |
36 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,712 | +0.457% | 10 | |
37 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $7,302 | +0.515% | 62 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,801 | +0.656% | 24 | |
39 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,566 | +0.484% | 18 | |
40 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $5,205 | +0.377% | 16 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,917 | +0.432% | 15 | |
42 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Sound | $3,218 | +0.434% | 11 | |
43 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,510 | -0.067% | 35 | |
44 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,961 | +0.509% | 32 | |
45 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,147 | +0.726% | 14 | |
46 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,097 | +0.473% | 11 | |
47 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,518 | +0.431% | 66 | |
48 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,062 | +0.704% | 51 | |
49 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Sound | $5,687 | +0.407% | 13 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,338 | +0.564% | 11 |
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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