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 | Liberty Bank | Exceptional | Exceptional | Strong | Exceptional | -$803 | -0.251% | 137 | |
2 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Sound | Exceptional | $541 | -0.275% | 104 | |
3 | SIKORSKY FINANCIAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,093 | -0.442% | 61 | |
4 | The Milford Bank | Exceptional | Exceptional | Sound | Strong | $1,760 | -0.366% | 34 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,326 | +0.388% | 389 | |
6 | FIRST WORLD MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,414 | +0.304% | 132 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,282 | -0.151% | 64 | |
8 | Newtown Savings Bank | Strong | Strong | Strong | Strong | $1,986 | -0.222% | 49 | |
9 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,527 | -0.049% | 49 | |
10 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,201 | +0.023% | 39 | |
11 | HOMESTEAD FUNDING CORP. | Strong | Strong | Exceptional | Sound | $893 | +0.274% | 27 | |
12 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $712 | -0.334% | 27 | |
13 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $562 | +0.048% | 44 | |
14 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $1,208 | +0.220% | 32 | |
15 | KeyBank National Association | Strong | Strong | Strong | Sound | $1,414 | -0.031% | 23 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,527 | +0.417% | 398 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,662 | +0.296% | 109 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,907 | +0.482% | 88 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,196 | +0.325% | 86 | |
20 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,539 | +0.313% | 84 | |
21 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $1,610 | +0.311% | 52 | |
22 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $2,313 | +0.269% | 41 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,409 | +0.244% | 23 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,350 | +0.463% | 126 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,045 | +0.385% | 111 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,521 | +0.366% | 90 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,167 | +0.316% | 52 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,338 | +0.410% | 49 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,392 | +0.671% | 49 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,830 | +0.274% | 42 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,367 | +0.688% | 37 | |
32 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | $3,661 | +0.476% | 394 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,797 | +0.528% | 155 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,843 | +0.325% | 98 | |
35 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,853 | +0.420% | 87 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,275 | +0.370% | 63 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,326 | +0.352% | 55 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,800 | +0.506% | 46 | |
39 | TD Bank, National Association | Strong | Sound | Sound | Sound | $995 | +0.147% | 27 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,020 | +0.041% | 26 | |
41 | Webster Bank, National Association | Strong | Sound | Sound | Sound | $1,146 | +0.046% | 25 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,530 | +0.298% | 24 | |
43 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,757 | +0.621% | 20 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,136 | +0.499% | 85 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,657 | +0.517% | 58 | |
46 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,591 | +0.467% | 36 | |
47 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,287 | +0.367% | 36 | |
48 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,847 | +0.612% | 29 | |
49 | PROVINCE MORTGAGE ASSOCIATES, INC. | Sound | Acceptable | Strong | Sound | $2,371 | +0.299% | 28 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,521 | +0.552% | 29 |
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.
Get personalized recommendations based on your specific needs