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 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $758 | -0.438% | 19 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | -$922 | -0.147% | 16 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $435 | -0.545% | 13 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,348 | +0.097% | 119 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,716 | +0.121% | 63 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,545 | +0.087% | 28 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,331 | -0.038% | 14 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,710 | +0.108% | 64 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,658 | +0.193% | 11 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,771 | +0.411% | 10 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,992 | +0.468% | 28 | |
12 | REDWOOD | Strong | Sound | Strong | Strong | Sound | $814 | +0.065% | 12 | |
13 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $548 | -0.288% | 11 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,763 | +0.571% | 22 | |
15 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $3,660 | +0.139% | 16 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,528 | +0.367% | 13 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $7,200 | +0.532% | 11 | |
18 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,264 | +0.357% | 29 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,247 | +0.331% | 28 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,393 | +0.160% | 12 | |
21 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,396 | +0.545% | 12 | |
22 | OriginPoint, LLC | Sound | Acceptable | Strong | Sound | Sound | $3,301 | +0.299% | 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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