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 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $137 | -0.153% | 555 | |
2 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,426 | -0.160% | 593 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,780 | -0.220% | 553 | |
4 | TEACHERS FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $580 | +0.241% | 509 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,462 | -0.306% | 340 | |
6 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $976 | -0.610% | 202 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $429 | -0.112% | 192 | |
8 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $2,883 | +0.166% | 151 | |
9 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $303 | -0.608% | 148 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $290 | -0.657% | 77 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,476 | +0.053% | 1,367 | |
12 | Bethpage Federal Credit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,773 | -0.174% | 486 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050 | +0.142% | 2,441 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,075 | +0.236% | 1,401 | |
15 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,964 | +0.345% | 299 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,302 | +0.179% | 229 | |
17 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,607 | +0.000% | 172 | |
18 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,630 | +0.254% | 1,411 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,753 | +0.326% | 904 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,980 | +0.433% | 495 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,438 | +0.266% | 421 | |
22 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,332 | +0.012% | 358 | |
23 | MID-ISLAND MORTGAGE CORP. | Strong | Strong | Sound | Sound | Strong | $1,702 | +0.037% | 156 | |
24 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,852 | -0.018% | 91 | |
25 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,939 | +0.179% | 73 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,658 | +0.090% | 352 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,196 | +0.218% | 176 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,571 | +0.029% | 174 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $4,102 | +0.388% | 138 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,184 | +0.082% | 134 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.418% | 115 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,448 | +0.292% | 112 | |
33 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Sound | Strong | Strong | $3,238 | +0.025% | 63 | |
34 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,773 | +0.148% | 464 | |
35 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,091 | +0.333% | 419 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,281 | +0.338% | 357 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,893 | +0.437% | 171 | |
38 | LYNX MORTGAGE BANK LLC | Strong | Sound | Sound | Sound | Strong | $2,061 | +0.010% | 164 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $5,039 | +1.007% | 78 | |
40 | Ridgewood Savings Bank | Strong | Strong | Acceptable | Acceptable | Strong | $378 | -0.276% | 76 | |
41 | Dime Community Bank | Strong | Strong | Acceptable | Acceptable | Strong | $1,265 | -0.455% | 56 | |
42 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $5,519 | +0.379% | 52 | |
43 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,793 | +0.450% | 937 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Sound | Strong | $3,394 | +0.259% | 206 | |
45 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,337 | +0.117% | 126 | |
46 | FM Home Loans, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,946 | +0.288% | 116 | |
47 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,584 | +0.545% | 521 | |
48 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $5,050 | +0.461% | 418 | |
49 | RELIANT HOME FUNDING, INC | Sound | Acceptable | Sound | Sound | Strong | $3,538 | +0.299% | 162 |
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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