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 | North State Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,049 | -0.056% | 268 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $612 | -0.852% | 184 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
5 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $350 | -0.215% | 94 | |
6 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,987 | -0.444% | 56 | |
7 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $3,016 | -0.247% | 52 | |
8 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572 | -0.130% | 363 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $788 | -0.641% | 286 | |
10 | GoPrime Mortgage, Inc. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,433 | +0.297% | 166 | |
11 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,948 | +0.300% | 159 | |
12 | Fifth Third Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | -$1,040 | -0.016% | 141 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,003 | +0.208% | 903 | |
14 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,970 | +0.103% | 403 | |
15 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,943 | -0.070% | 280 | |
17 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,753 | -0.020% | 247 | |
18 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
19 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $1,229 | +0.703% | 185 | |
20 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,073 | +0.145% | 59 | |
21 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$45 | -0.056% | 539 | |
22 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $608 | -0.154% | 245 | |
23 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.312% | 208 | |
24 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
25 | United Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,629 | +0.242% | 174 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,717 | -0.066% | 103 | |
27 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,989 | -0.147% | 94 | |
28 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,525 | +0.130% | 73 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,536 | +0.315% | 151 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,501 | -0.069% | 83 | |
34 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
35 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,919 | +0.006% | 306 | |
36 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,010 | +0.200% | 224 | |
37 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,200 | +0.355% | 223 | |
38 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
39 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575 | +0.415% | 177 | |
40 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652 | +0.399% | 108 | |
41 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,629 | +0.182% | 104 | |
42 | The Central Trust Bank | Strong | Sound | Strong | Strong | Strong | $1,638 | +0.073% | 99 | |
43 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,444 | +0.196% | 69 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,570 | +0.235% | 223 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,593 | +0.327% | 115 | |
47 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.336% | 86 | |
48 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590 | +0.181% | 52 | |
49 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,537 | +0.224% | 284 | |
50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,744 | +0.375% | 122 |
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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