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 | North State Bank | Exceptional | Exceptional | Strong | Exceptional | $1,049 | -0.056% | 268 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $612 | -0.852% | 184 | |
3 | STATE EMPLOYEES' | Exceptional | Strong | Strong | Exceptional | $2,382 | -0.827% | 1,402 | |
4 | Truist Bank | Exceptional | Strong | Strong | Exceptional | -$45 | -0.056% | 539 | |
5 | First-Citizens Bank & Trust Company | Exceptional | Strong | Strong | Exceptional | $1,572 | -0.130% | 363 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $788 | -0.641% | 286 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $478 | -0.146% | 188 | |
8 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $350 | -0.215% | 94 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,555 | -0.265% | 275 | |
12 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
13 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$1,040 | -0.016% | 141 | |
14 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$371 | +0.028% | 85 | |
15 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $3,016 | -0.247% | 52 | |
16 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,970 | +0.103% | 403 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,919 | +0.006% | 306 | |
18 | COASTAL Federal Credit Union | Strong | Sound | Strong | Exceptional | $2,054 | +0.199% | 303 | |
19 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,342 | +0.280% | 177 | |
20 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $2,433 | +0.297% | 166 | |
21 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $392 | -0.031% | 67 | |
22 | JET HOMELOANS, LP | Strong | Strong | Strong | Sound | $1,987 | -0.444% | 56 | |
23 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,003 | +0.208% | 903 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,548 | +0.018% | 388 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,034 | -0.142% | 372 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,943 | -0.070% | 280 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,753 | -0.020% | 247 | |
31 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,514 | +0.147% | 220 | |
32 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,078 | +0.019% | 140 | |
33 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $1,629 | +0.182% | 104 | |
34 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | $2,773 | +0.141% | 103 | |
35 | The Central Trust Bank | Strong | Sound | Strong | Strong | $1,638 | +0.073% | 99 | |
36 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $922 | -0.100% | 98 | |
37 | Ameris Bank | Strong | Sound | Exceptional | Sound | $3,073 | +0.145% | 59 | |
38 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,077 | +0.475% | 56 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $608 | -0.154% | 245 | |
40 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Exceptional | $3,010 | +0.200% | 224 | |
41 | Towne Bank | Strong | Acceptable | Exceptional | Strong | $3,376 | +0.312% | 208 | |
42 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,282 | +0.314% | 185 | |
43 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,575 | +0.415% | 177 | |
44 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,533 | +0.188% | 155 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,788 | +0.270% | 126 | |
46 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,652 | +0.399% | 108 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,717 | -0.066% | 103 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,842 | +0.336% | 86 | |
49 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,910 | -0.025% | 52 | |
50 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Sound | $2,550 | +0.361% | 50 |
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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