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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
2 | Union Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,151 | +0.095% | 387 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,092 | +0.203% | 2,206 | |
6 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,329 | +0.294% | 1,062 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $590 | -0.411% | 990 | |
8 | Traditions Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,801 | +0.196% | 768 | |
9 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,827 | +0.358% | 3,389 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,120 | +0.375% | 2,047 | |
11 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Exceptional | $991 | +0.211% | 1,782 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,279 | +0.415% | 946 | |
13 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
14 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
15 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $738 | +0.065% | 343 | |
16 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,715 | +0.433% | 1,391 | |
17 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,215 | +0.109% | 1,338 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,134 | +0.163% | 1,223 | |
19 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
20 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
21 | First Commonwealth Bank | Exceptional | Strong | Sound | Strong | Exceptional | $957 | +0.331% | 789 | |
22 | MEMBERS 1ST | Exceptional | Strong | Sound | Strong | Exceptional | $1,307 | +0.045% | 624 | |
23 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,335 | +0.344% | 578 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,555 | +0.242% | 555 | |
25 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,702 | -0.075% | 404 | |
26 | Northwest Bank | Exceptional | Strong | Strong | Strong | Strong | $1,037 | +0.314% | 358 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,457 | +0.438% | 342 | |
28 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,840 | +0.294% | 301 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
30 | Mortgage America, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,261 | +0.212% | 1,597 | |
31 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,967 | +0.099% | 1,350 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
33 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $1,833 | +0.173% | 898 | |
34 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,514 | +0.430% | 756 | |
35 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,234 | +0.299% | 616 | |
36 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
37 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
38 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,346 | +0.100% | 545 | |
39 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $789 | +0.183% | 533 | |
40 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,374 | +0.280% | 301 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,119 | +0.239% | 286 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,043 | +0.493% | 1,917 | |
45 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | -$397 | +0.091% | 1,516 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.491% | 1,372 | |
47 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,894 | +0.399% | 1,113 | |
48 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,858 | +0.419% | 449 | |
49 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.523% | 423 | |
50 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,125 | +0.566% | 250 |
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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