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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,814 | -0.093% | 442 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,045 | -0.570% | 386 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $290 | -0.026% | 556 | |
6 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,734 | -0.097% | 451 | |
7 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $477 | +0.455% | 404 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,561 | +0.154% | 1,275 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,237 | +0.058% | 555 | |
11 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Strong | $2,107 | +0.312% | 188 | |
12 | TRUWEST Credit Union | Strong | Strong | Sound | Strong | $2,655 | -0.146% | 179 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,275 | +0.235% | 161 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,103 | +0.482% | 2,471 | |
16 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,640 | +0.468% | 1,246 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,668 | -0.742% | 1,004 | |
19 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,926 | +0.400% | 970 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,889 | +0.051% | 692 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,313 | +0.122% | 668 | |
22 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,776 | +0.213% | 610 | |
23 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $621 | +0.580% | 549 | |
24 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,544 | +0.286% | 327 | |
25 | NexBank | Strong | Sound | Strong | Strong | $1,827 | +0.406% | 148 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,851 | +0.138% | 724 | |
28 | Bell Bank | Strong | Acceptable | Exceptional | Strong | $3,401 | +0.364% | 681 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,468 | +0.290% | 460 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,759 | +0.394% | 454 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,252 | +0.256% | 438 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,802 | +0.119% | 336 | |
33 | BMO Bank National Association | Strong | Sound | Sound | Strong | $1,396 | +0.133% | 239 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,213 | +0.320% | 203 | |
35 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,042 | -0.161% | 190 | |
36 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,275 | -0.066% | 152 | |
37 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,952 | +0.169% | 150 | |
38 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,232 | +0.211% | 763 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,355 | +0.279% | 694 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,008 | +0.408% | 694 | |
41 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,021 | +0.325% | 631 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,095 | +0.719% | 512 | |
43 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,804 | +0.245% | 469 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,492 | +0.220% | 417 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,952 | +1.012% | 269 | |
46 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,880 | +0.246% | 234 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,060 | +0.944% | 226 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,668 | +0.337% | 199 | |
49 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,432 | +0.323% | 198 | |
50 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,713 | +0.494% | 193 |
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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