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 | Liberty Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | -$803 | -0.251% | 137 | |
2 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Strong | Sound | Exceptional | $541 | -0.275% | 104 | |
3 | Newtown Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,986 | -0.222% | 49 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,282 | -0.151% | 64 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,201 | +0.023% | 39 | |
6 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $893 | +0.274% | 27 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $712 | -0.334% | 27 | |
8 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | Sound | $927 | -0.195% | 19 | |
9 | FIRST WORLD MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,414 | +0.304% | 132 | |
10 | SIKORSKY FINANCIAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $1,093 | -0.442% | 61 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $562 | +0.048% | 44 | |
12 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,414 | -0.031% | 23 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $1,412 | -0.168% | 12 | |
14 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $2,794 | +0.008% | 11 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,527 | +0.417% | 398 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,326 | +0.388% | 389 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,662 | +0.296% | 109 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,907 | +0.482% | 88 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,853 | +0.420% | 87 | |
20 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,527 | -0.049% | 49 | |
21 | The Milford Bank | Strong | Exceptional | Acceptable | Sound | Strong | $1,760 | -0.366% | 34 | |
22 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,208 | +0.220% | 32 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,409 | +0.244% | 23 | |
24 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,661 | +0.476% | 394 | |
25 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $2,313 | +0.269% | 41 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,020 | +0.041% | 26 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,857 | +0.198% | 17 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,797 | +0.528% | 155 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,350 | +0.463% | 126 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,045 | +0.385% | 111 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,521 | +0.366% | 90 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.325% | 86 | |
33 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $2,539 | +0.313% | 84 | |
34 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.678% | 76 | |
35 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,326 | +0.352% | 55 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,167 | +0.316% | 52 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.410% | 49 | |
38 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.671% | 49 | |
39 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,800 | +0.506% | 46 | |
40 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,830 | +0.274% | 42 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,843 | +0.325% | 98 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,136 | +0.499% | 85 | |
43 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,657 | +0.517% | 58 | |
44 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,367 | +0.688% | 37 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,591 | +0.467% | 36 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,287 | +0.367% | 36 | |
47 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $995 | +0.147% | 27 | |
48 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,530 | +0.298% | 24 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,064 | +0.325% | 15 | |
50 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,117 | +0.409% | 14 |
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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