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 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,130 | +0.034% | 345 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $642 | -0.592% | 187 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,400 | +0.105% | 424 | |
4 | ASCEND FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $597 | -0.737% | 239 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,460 | -0.176% | 212 | |
6 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,776 | +0.466% | 185 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $746 | +0.022% | 154 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $430 | -0.434% | 79 | |
9 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.139% | 932 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,284 | -0.187% | 755 | |
11 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.111% | 474 | |
12 | First Horizon Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,095 | +0.015% | 346 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,917 | -0.078% | 168 | |
14 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $692 | +0.027% | 168 | |
15 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$903 | +0.038% | 123 | |
16 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $701 | -0.272% | 68 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,363 | +0.024% | 2,369 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,690 | +0.199% | 2,107 | |
19 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
20 | Pinnacle Bank | Strong | Sound | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,811 | +0.017% | 482 | |
22 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,209 | +0.254% | 320 | |
23 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $2,618 | -0.049% | 175 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,039 | +0.285% | 135 | |
25 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,003 | -0.370% | 132 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,874 | +0.329% | 1,585 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,154 | +0.202% | 690 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,895 | +0.426% | 683 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,657 | +0.557% | 583 | |
30 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,106 | +0.230% | 518 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,483 | -0.014% | 414 | |
32 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,522 | +0.233% | 392 | |
33 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,299 | +0.257% | 116 | |
34 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,874 | +0.265% | 99 | |
35 | ServisFirst Bank | Strong | Sound | Strong | Strong | Strong | $2,171 | +0.129% | 91 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,347 | +0.379% | 423 | |
38 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,726 | +0.119% | 270 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.389% | 207 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,076 | +0.079% | 200 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,130 | +0.422% | 193 | |
42 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,336 | +0.081% | 139 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,880 | +0.376% | 123 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,966 | +0.458% | 112 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | +0.499% | 104 | |
46 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,197 | +0.287% | 103 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,096 | +0.469% | 85 | |
48 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.400% | 85 | |
49 | United Community Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,427 | +0.376% | 81 | |
50 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.334% | 79 |
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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