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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | — | $749 | -0.493% | 31,887 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | — | $1,206 | -0.101% | 12,582 | |
3 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | — | -$568 | -0.252% | 10,757 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | — | $283 | +0.033% | 37,416 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | — | $1,021 | -0.175% | 25,155 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | — | $415 | +0.374% | 18,842 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | — | $802 | +0.078% | 13,874 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | — | $186 | +0.120% | 11,250 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | — | $560 | -0.167% | 7,357 | |
10 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | — | $331 | -0.449% | 7,167 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | — | $1,660 | -0.017% | 34,079 | |
12 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
13 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | — | $542 | +0.263% | 10,811 | |
14 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | — | $1,074 | +0.029% | 9,612 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | — | $2,283 | +0.135% | 67,126 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | — | $2,079 | +0.294% | 14,849 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | — | $2,029 | +0.181% | 11,542 | |
19 | Ameris Bank | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.172% | 11,244 | |
20 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
21 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
22 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | — | $1,064 | +0.105% | 7,577 | |
23 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | — | $3,102 | +0.063% | 7,432 | |
24 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | — | $1,952 | +0.038% | 35,887 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $3,549 | +0.497% | 86,295 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | — | $3,254 | +0.445% | 61,160 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
31 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | — | $2,572 | +0.351% | 23,726 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | — | $2,996 | +0.562% | 23,240 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | — | $3,487 | +0.386% | 21,352 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | — | $3,445 | +0.321% | 21,082 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
43 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | — | $2,989 | +0.278% | 11,610 | |
44 | Regions Bank | Strong | Acceptable | Exceptional | Strong | — | $1,948 | +0.333% | 10,811 | |
45 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,818 | +0.429% | 9,840 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
47 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $4,134 | +0.531% | 8,466 | |
48 | Bell Bank | Strong | Acceptable | Exceptional | Strong | — | $2,876 | +0.274% | 7,696 | |
49 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,766 | +0.587% | 7,507 | |
50 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 |
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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