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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | $137 | -0.153% | 555 | |
2 | Valley National Bank | Exceptional | Exceptional | Strong | Strong | $976 | -0.610% | 202 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $303 | -0.608% | 148 | |
4 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,426 | -0.160% | 593 | |
5 | TEACHERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $580 | +0.241% | 509 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $4,050 | +0.142% | 2,441 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,780 | -0.220% | 553 | |
8 | Bethpage Federal Credit Union | Strong | Strong | Sound | Exceptional | $1,773 | -0.174% | 486 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,462 | -0.306% | 340 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $429 | -0.112% | 192 | |
11 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,607 | +0.000% | 172 | |
12 | MID-ISLAND MORTGAGE CORP. | Strong | Strong | Strong | Strong | $1,702 | +0.037% | 156 | |
13 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,883 | +0.166% | 151 | |
14 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $290 | -0.657% | 77 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $3,476 | +0.053% | 1,367 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,075 | +0.236% | 1,401 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $3,980 | +0.433% | 495 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,438 | +0.266% | 421 | |
19 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $1,332 | +0.012% | 358 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,302 | +0.179% | 229 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,571 | +0.029% | 174 | |
22 | LYNX MORTGAGE BANK LLC | Strong | Sound | Strong | Strong | $2,061 | +0.010% | 164 | |
23 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,337 | +0.117% | 126 | |
24 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $2,852 | -0.018% | 91 | |
25 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,939 | +0.179% | 73 | |
26 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Strong | Strong | $3,238 | +0.025% | 63 | |
27 | Dime Community Bank | Strong | Strong | Acceptable | Strong | $1,265 | -0.455% | 56 | |
28 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,630 | +0.254% | 1,411 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,753 | +0.326% | 904 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $2,773 | +0.148% | 464 | |
31 | CLIFFCO, INC. | Strong | Acceptable | Strong | Exceptional | $4,091 | +0.333% | 419 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,658 | +0.090% | 352 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,196 | +0.218% | 176 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,448 | +0.292% | 112 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $5,039 | +1.007% | 78 | |
36 | Ridgewood Savings Bank | Strong | Sound | Sound | Strong | $378 | -0.276% | 76 | |
37 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | $5,519 | +0.379% | 52 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,964 | +0.345% | 299 | |
39 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Strong | $3,394 | +0.259% | 206 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $4,102 | +0.388% | 138 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,184 | +0.082% | 134 | |
42 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,303 | +0.418% | 115 | |
43 | Webster Bank, National Association | Strong | Sound | Sound | Sound | $1,816 | +0.038% | 49 | |
44 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Exceptional | $4,793 | +0.450% | 937 | |
45 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Exceptional | $4,584 | +0.545% | 521 | |
46 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,281 | +0.338% | 357 | |
47 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $4,251 | +0.472% | 178 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,893 | +0.437% | 171 | |
49 | RELIANT HOME FUNDING, INC | Sound | Acceptable | Sound | Strong | $3,538 | +0.299% | 162 | |
50 | FM Home Loans, LLC | Sound | Acceptable | Sound | Strong | $2,946 | +0.288% | 116 |
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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