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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | — | $283 | +0.033% | 37,416 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | — | $1,660 | -0.017% | 34,079 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | — | $1,021 | -0.175% | 25,155 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | — | -$568 | -0.252% | 10,757 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | — | $331 | -0.449% | 7,167 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | — | $749 | -0.493% | 31,887 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | — | $2,477 | +0.229% | 51,353 | |
8 | Truist Bank | Exceptional | Strong | Exceptional | Strong | — | $802 | +0.078% | 13,874 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | — | $542 | +0.263% | 10,811 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | — | $1,074 | +0.029% | 9,612 | |
11 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | — | $1,064 | +0.105% | 7,577 | |
12 | FLAT BRANCH MORTGAGE, INC. | Strong | Strong | Strong | Strong | — | $1,570 | +0.401% | 13,335 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $2,828 | +0.185% | 285,901 | |
14 | ROCKET MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $3,881 | +0.334% | 266,411 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | — | $2,283 | +0.135% | 67,126 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | — | $2,921 | +0.343% | 51,046 | |
17 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | — | $2,940 | +0.289% | 46,733 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | — | $1,952 | +0.038% | 35,887 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | — | $3,445 | +0.321% | 21,082 | |
20 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | — | $186 | +0.120% | 11,250 | |
21 | Regions Bank | Strong | Sound | Exceptional | Strong | — | $1,948 | +0.333% | 10,811 | |
22 | Bell Bank | Strong | Sound | Exceptional | Strong | — | $2,876 | +0.274% | 7,696 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | — | $2,582 | +0.136% | 57,340 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | — | $2,588 | +0.279% | 12,743 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | — | $3,469 | +0.467% | 11,689 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | — | $2,206 | +0.608% | 9,656 | |
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 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | — | $415 | +0.374% | 18,842 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | — | $2,384 | +0.287% | 18,786 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | — | $2,398 | +0.284% | 16,835 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | — | $2,029 | +0.181% | 11,542 | |
34 | Ameris Bank | Strong | Acceptable | Exceptional | Strong | — | $2,801 | +0.172% | 11,244 | |
35 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | — | $2,766 | +0.587% | 7,507 | |
36 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Strong | Sound | — | $3,102 | +0.063% | 7,432 | |
37 | NBKC BANK | Strong | Sound | Strong | Sound | — | $560 | -0.167% | 7,357 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | — | $3,182 | +0.556% | 37,119 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | — | $2,479 | +0.382% | 32,880 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | — | $3,279 | +0.479% | 17,073 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,834 | +0.450% | 15,793 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | — | $2,761 | +0.348% | 13,399 | |
43 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Sound | — | $2,989 | +0.278% | 11,610 | |
44 | UNION HOME MORTGAGE CORP. | Sound | Acceptable | Strong | Sound | — | $2,996 | +0.562% | 23,240 | |
45 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | — | $3,705 | +0.346% | 16,100 | |
46 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Sound | Acceptable | Strong | Sound | — | $2,079 | +0.294% | 14,849 | |
47 | BAY EQUITY LLC | Sound | Acceptable | Strong | Sound | — | $2,852 | +0.180% | 9,468 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | — | $4,326 | +0.441% | 8,697 | |
49 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | — | $3,577 | +0.263% | 7,145 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | — | $2,818 | +0.429% | 9,840 |
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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