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 | Tyndall Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,209 | -0.032% | 134 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,443 | -0.066% | 99 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,028 | +0.026% | 287 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,183 | +0.366% | 146 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,811 | +0.292% | 38 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,999 | +0.263% | 263 | |
7 | Centennial Bank | Strong | Strong | Strong | Sound | Strong | $1,736 | +0.304% | 93 | |
8 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | -$48 | +0.509% | 58 | |
9 | First Federal Bank | Strong | Strong | Strong | Strong | Sound | $2,474 | +0.240% | 27 | |
10 | SmartBank | Strong | Exceptional | Sound | Sound | Sound | $1,538 | +0.417% | 13 | |
11 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,766 | +0.293% | 84 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,724 | +0.599% | 42 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,873 | +0.317% | 30 | |
14 | Bank of England | Strong | Sound | Exceptional | Strong | Sound | $3,283 | +0.490% | 22 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,793 | +0.415% | 20 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,735 | +0.400% | 47 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,889 | +0.428% | 47 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,508 | +0.583% | 20 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,773 | +0.590% | 35 | |
20 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,388 | +0.516% | 20 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,023 | +0.469% | 66 | |
22 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $5,465 | +0.809% | 11 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,464 | +0.455% | 60 | |
24 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,441 | +0.770% | 12 |
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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