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 | Exceptional | Exceptional | Strong | Strong | $1,400 | +0.105% | 424 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,460 | -0.176% | 212 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,917 | -0.078% | 168 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $430 | -0.434% | 79 | |
5 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,130 | +0.034% | 345 | |
6 | ASCEND FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $597 | -0.737% | 239 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $642 | -0.592% | 187 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $692 | +0.027% | 168 | |
10 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $746 | +0.022% | 154 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$903 | +0.038% | 123 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,363 | +0.024% | 2,369 | |
13 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,690 | +0.199% | 2,107 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,874 | +0.329% | 1,585 | |
15 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.139% | 932 | |
16 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,154 | +0.202% | 690 | |
17 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,106 | +0.230% | 518 | |
18 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,522 | +0.233% | 392 | |
19 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,811 | +0.017% | 482 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,483 | -0.014% | 414 | |
22 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $3,336 | +0.081% | 139 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,657 | +0.557% | 583 | |
24 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,095 | +0.015% | 346 | |
25 | ServisFirst Bank | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,171 | +0.129% | 91 | |
26 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,209 | +0.254% | 320 | |
27 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,726 | +0.119% | 270 | |
28 | Studio Bank | Strong | Sound | Strong | Sound | Strong | $2,104 | +0.205% | 111 | |
29 | Legends Bank | Strong | Sound | — | Strong | Strong | $2,576 | +0.266% | 97 | |
30 | CHURCHILL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,314 | +0.369% | 449 | |
31 | Liberty | Strong | Acceptable | Strong | Strong | Strong | $1,776 | +0.466% | 185 | |
32 | CapStar Bank | Strong | Sound | — | Sound | Strong | $1,878 | +0.245% | 70 | |
33 | Pinnacle Bank | Strong | Mediocre | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
34 | WILSON BANK AND TRUST | Strong | Mediocre | Strong | Strong | Exceptional | $2,041 | +0.299% | 475 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Strong | $3,841 | +0.389% | 207 | |
36 | Cadence Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,618 | -0.049% | 175 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,070 | +0.463% | 270 | |
38 | Farm Credit Mid-America, ACA | Sound | Mediocre | Exceptional | Sound | Strong | $6,533 | +0.539% | 147 | |
39 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Sound | $3,054 | +0.289% | 80 |
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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