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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | — | $2,402 | +0.164% | 37,313 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | — | $415 | +0.374% | 18,842 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | — | $2,079 | +0.294% | 14,849 | |
5 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | — | $1,064 | +0.105% | 7,577 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | — | $560 | -0.167% | 7,357 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | — | $2,828 | +0.185% | 285,901 | |
8 | U.S. Bank National Association | Strong | Strong | Exceptional | Sound | — | $283 | +0.033% | 37,416 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | — | $1,952 | +0.038% | 35,887 | |
10 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | — | $1,570 | +0.401% | 13,335 | |
11 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | — | $542 | +0.263% | 10,811 | |
12 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | — | $3,102 | +0.063% | 7,432 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | — | $2,582 | +0.136% | 57,340 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | — | $2,572 | +0.351% | 23,726 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
16 | Truist Bank | Strong | Strong | Strong | Sound | — | $802 | +0.078% | 13,874 | |
17 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | — | $2,761 | +0.348% | 13,399 | |
18 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | — | $2,989 | +0.278% | 11,610 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Sound | — | $186 | +0.120% | 11,250 | |
20 | Ameris Bank | Strong | Sound | Exceptional | Strong | — | $2,801 | +0.172% | 11,244 | |
21 | Citibank, National Association | Strong | Exceptional | Sound | Acceptable | — | -$568 | -0.252% | 10,757 | |
22 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | — | $1,074 | +0.029% | 9,612 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | — | $3,881 | +0.334% | 266,411 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | — | $3,254 | +0.445% | 61,160 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | — | $2,479 | +0.382% | 32,880 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | — | $2,996 | +0.562% | 23,240 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | — | $3,445 | +0.321% | 21,082 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $3,705 | +0.346% | 16,100 | |
29 | Regions Bank | Strong | Sound | Exceptional | Sound | — | $1,948 | +0.333% | 10,811 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | — | $2,818 | +0.429% | 9,840 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | — | $2,283 | +0.135% | 67,126 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | — | $3,553 | +0.387% | 58,550 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | — | $1,660 | -0.017% | 34,079 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,279 | +0.479% | 17,073 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,834 | +0.450% | 15,793 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,588 | +0.279% | 12,743 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | — | $3,469 | +0.467% | 11,689 | |
41 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,801 | +0.380% | 11,165 | |
42 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,206 | +0.608% | 9,656 | |
43 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | — | $2,852 | +0.180% | 9,468 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,906 | +0.435% | 9,356 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | — | $3,519 | +0.812% | 9,354 | |
46 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | — | $3,899 | +0.665% | 8,372 | |
47 | Bell Bank | Strong | Acceptable | Exceptional | Strong | — | $2,876 | +0.274% | 7,696 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | — | $3,577 | +0.263% | 7,145 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | — | $1,956 | +0.540% | 60,588 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | — | $2,029 | +0.181% | 11,542 |
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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