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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Exceptional | -$303 | -0.225% | 1,006 | |
2 | Kearny Bank | Exceptional | Exceptional | Strong | Exceptional | $1,001 | -0.252% | 402 | |
3 | Valley National Bank | Exceptional | Exceptional | Strong | Exceptional | $1,157 | -0.255% | 354 | |
4 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
5 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Exceptional | -$228 | -0.243% | 521 | |
6 | Provident Bank | Exceptional | Exceptional | Sound | Exceptional | -$332 | -0.197% | 457 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $358 | -0.519% | 372 | |
8 | Columbia Bank | Exceptional | Exceptional | Sound | Exceptional | $259 | -0.618% | 349 | |
9 | POLICE & FIRE | Exceptional | Exceptional | Strong | Strong | $386 | +0.048% | 181 | |
10 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
11 | Bank of America, National Association | Exceptional | Strong | Strong | Exceptional | $1,259 | -0.245% | 1,086 | |
12 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $211 | -0.090% | 959 | |
13 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $694 | -0.045% | 862 | |
14 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $330 | -0.299% | 534 | |
15 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,068 | -0.048% | 501 | |
16 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $553 | -0.435% | 493 | |
17 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | -$464 | -0.115% | 261 | |
18 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,088 | +0.054% | 231 | |
19 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $416 | -0.243% | 180 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
21 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Exceptional | $2,314 | +0.271% | 1,736 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
23 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,156 | -0.048% | 505 | |
24 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $642 | +0.037% | 467 | |
25 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Exceptional | $2,481 | +0.080% | 459 | |
26 | Manasquan Bank | Strong | Strong | Strong | Strong | $189 | +0.099% | 180 | |
27 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,377 | +0.057% | 2,089 | |
30 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,337 | +0.204% | 1,267 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,177 | +0.179% | 963 | |
32 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Exceptional | $3,223 | +0.396% | 416 | |
33 | 1st Colonial Community Bank | Strong | Sound | Strong | Exceptional | $1,972 | +0.218% | 271 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,979 | +0.317% | 198 | |
35 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $2,607 | +0.389% | 173 | |
36 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
37 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,572 | +0.396% | 1,443 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,746 | +0.385% | 1,407 | |
39 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,959 | +0.414% | 1,163 | |
40 | TD Bank, National Association | Strong | Sound | Sound | Exceptional | $732 | +0.153% | 1,057 | |
41 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,727 | +0.406% | 279 | |
42 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,239 | +0.429% | 238 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
44 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Exceptional | $2,576 | +0.463% | 1,384 | |
45 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
46 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,546 | +0.207% | 887 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,699 | +0.373% | 727 | |
49 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $2,530 | +0.304% | 491 | |
50 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,550 | +0.074% | 261 |
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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