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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | -$303 | -0.225% | 1,006 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
3 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,259 | -0.245% | 1,086 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $211 | -0.090% | 959 | |
5 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $330 | -0.299% | 534 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,068 | -0.048% | 501 | |
8 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $553 | -0.435% | 493 | |
9 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,157 | -0.255% | 354 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $694 | -0.045% | 862 | |
12 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Exceptional | -$228 | -0.243% | 521 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $642 | +0.037% | 467 | |
14 | Provident Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | -$332 | -0.197% | 457 | |
15 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,001 | -0.252% | 402 | |
16 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $358 | -0.519% | 372 | |
17 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $259 | -0.618% | 349 | |
18 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Strong | $386 | +0.048% | 181 | |
19 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $416 | -0.243% | 180 | |
20 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
21 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,377 | +0.057% | 2,089 | |
22 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
23 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Strong | -$464 | -0.115% | 261 | |
24 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,088 | +0.054% | 231 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
26 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
27 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,337 | +0.204% | 1,267 | |
28 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,156 | -0.048% | 505 | |
29 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Exceptional | $2,481 | +0.080% | 459 | |
30 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $640 | -0.113% | 346 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,666 | +0.478% | 331 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,979 | +0.317% | 198 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
38 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $732 | +0.153% | 1,057 | |
39 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,177 | +0.179% | 963 | |
41 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $3,223 | +0.396% | 416 | |
42 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
43 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,576 | +0.463% | 1,384 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,699 | +0.373% | 727 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,620 | +0.290% | 672 | |
46 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,858 | +0.485% | 541 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,833 | +0.420% | 526 | |
48 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
49 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 |
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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