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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $619 | -0.433% | 303 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,618 | -0.113% | 172 | |
3 | Citizens First Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,343 | +0.394% | 451 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,117 | +0.071% | 269 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,713 | -0.132% | 222 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,256 | +0.079% | 111 | |
7 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,286 | -0.336% | 87 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,713 | +0.143% | 727 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,375 | -0.087% | 289 | |
10 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176 | -0.563% | 173 | |
11 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $549 | +0.005% | 141 | |
12 | City National Bank of Florida | Exceptional | Exceptional | Sound | Sound | Strong | $2,328 | -0.693% | 104 | |
13 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,913 | +0.143% | 75 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,644 | +0.306% | 4,820 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583 | +0.233% | 2,512 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,979 | -0.062% | 542 | |
17 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,188 | +0.196% | 270 | |
18 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,448 | -0.501% | 193 | |
19 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,858 | -0.432% | 118 | |
20 | SPACE COAST CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $316 | -0.299% | 77 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631 | +0.488% | 728 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,866 | +0.228% | 384 | |
23 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,459 | -0.282% | 209 | |
24 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $129 | -0.005% | 186 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.590% | 73 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,547 | +0.252% | 73 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,462 | +0.374% | 510 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,034 | +0.217% | 507 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,896 | +0.597% | 360 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,437 | +0.522% | 359 | |
31 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,440 | +0.394% | 324 | |
32 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,890 | +0.372% | 305 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,146 | +0.419% | 245 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,129 | +0.443% | 239 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,224 | +0.262% | 225 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,081 | +0.265% | 204 | |
37 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,868 | +0.277% | 179 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,263 | +0.272% | 174 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,273 | +0.476% | 171 | |
40 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,017 | +0.341% | 151 | |
41 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,306 | +0.723% | 131 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,822 | +0.433% | 113 | |
43 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,542 | +0.276% | 95 | |
44 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,223 | +0.246% | 88 | |
45 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,982 | +0.151% | 715 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,897 | +0.708% | 510 | |
47 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,943 | +0.325% | 390 | |
48 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,188 | -0.125% | 363 | |
49 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,623 | +0.232% | 176 | |
50 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,885 | +0.504% | 85 |
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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