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 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,874 | +0.265% | 99 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,363 | +0.024% | 2,369 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837 | +0.111% | 474 | |
4 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,095 | +0.015% | 346 | |
5 | Old National Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,130 | +0.034% | 345 | |
6 | FirstBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,182 | +0.139% | 932 | |
7 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,209 | +0.254% | 320 | |
8 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,726 | +0.119% | 270 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $642 | -0.592% | 187 | |
10 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $2,895 | +0.208% | 175 | |
11 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | $692 | +0.027% | 168 | |
12 | Heritage Mortgage, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $3,299 | +0.257% | 116 | |
13 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $701 | -0.272% | 68 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,874 | +0.329% | 1,585 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,154 | +0.202% | 690 | |
16 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
17 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,106 | +0.230% | 518 | |
18 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
19 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,400 | +0.105% | 424 | |
20 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,483 | -0.014% | 414 | |
21 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,998 | +0.261% | 242 | |
22 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
23 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,482 | +0.195% | 192 | |
24 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,284 | -0.187% | 755 | |
25 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,268 | -0.199% | 92 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,690 | +0.199% | 2,107 | |
27 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,895 | +0.426% | 683 | |
29 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,478 | +0.289% | 405 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,698 | +0.262% | 217 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,039 | +0.285% | 135 | |
32 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,003 | -0.370% | 132 | |
33 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$903 | +0.038% | 123 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $5,096 | +0.469% | 85 | |
35 | Bell Bank | Strong | Sound | Exceptional | Exceptional | Sound | $3,531 | +0.283% | 65 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,657 | +0.557% | 583 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,347 | +0.379% | 423 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,917 | -0.078% | 168 | |
39 | Legends Bank | Strong | Sound | Strong | Strong | Strong | $2,576 | +0.266% | 97 | |
40 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,054 | +0.289% | 80 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,135 | +0.425% | 347 | |
42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.389% | 207 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,076 | +0.079% | 200 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,880 | +0.376% | 123 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,966 | +0.458% | 112 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | +0.499% | 104 | |
47 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.400% | 85 | |
48 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,230 | +0.270% | 67 | |
49 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,125 | +0.498% | 133 | |
50 | ISERVE RESIDENTIAL LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,228 | +0.290% | 101 |
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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