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 | Strong | -$1,485 | -0.486% | 58 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,430 | +0.006% | 798 | |
3 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $168 | -0.326% | 165 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,033 | -0.021% | 120 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $247 | -0.545% | 79 | |
6 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,283 | -0.140% | 401 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $964 | -0.321% | 262 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $218 | -0.132% | 237 | |
9 | Provident Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | -$1,122 | -0.432% | 199 | |
10 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,126 | -0.434% | 124 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $293 | -0.499% | 107 | |
12 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,175 | -0.020% | 96 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,360 | +0.026% | 586 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.147% | 422 | |
15 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$202 | -0.104% | 178 | |
16 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,008 | -0.269% | 118 | |
17 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Strong | $52 | -0.259% | 117 | |
18 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $368 | -0.289% | 67 | |
19 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,404 | +0.003% | 56 | |
20 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $837 | -0.347% | 41 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,742 | +0.133% | 1,177 | |
23 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,424 | -0.080% | 110 | |
24 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,005 | +0.162% | 88 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,719 | +0.495% | 75 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,693 | +0.541% | 338 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,254 | +0.144% | 231 | |
30 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,748 | +0.542% | 66 | |
31 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,930 | -0.038% | 59 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $630 | -0.217% | 55 | |
33 | HSBC BANK USA, NATIONAL ASSOCIATION | Strong | Strong | Strong | Sound | Sound | $283 | -0.232% | 46 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,092 | +0.373% | 39 | |
35 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,652 | +0.305% | 37 | |
36 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,487 | +0.202% | 377 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,352 | +0.409% | 304 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,514 | +0.289% | 234 | |
39 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,196 | +0.211% | 224 | |
40 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $481 | +0.126% | 222 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,231 | +0.448% | 141 | |
42 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,094 | +0.324% | 140 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,502 | +0.246% | 123 | |
44 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.334% | 82 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,157 | +0.466% | 77 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,175 | +0.362% | 77 | |
47 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,837 | +0.356% | 71 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,322 | +0.609% | 62 | |
49 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,451 | +0.452% | 364 | |
50 | MORTGAGE ACCESS CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,366 | +0.293% | 177 |
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