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 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $612 | +0.059% | 653 | |
2 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Exceptional | $584 | +0.188% | 681 | |
3 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $1,254 | +0.058% | 492 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $618 | -0.417% | 317 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $597 | -0.199% | 110 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
7 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
8 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$693 | +0.121% | 189 | |
9 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,574 | -0.255% | 111 | |
10 | United Bank | Strong | Sound | Strong | Exceptional | $1,846 | +0.131% | 584 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,266 | +0.036% | 352 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,569 | +0.025% | 225 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,276 | +0.141% | 108 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
15 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,324 | +0.322% | 658 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,463 | +0.311% | 607 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,268 | +0.532% | 495 | |
18 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,026 | +0.043% | 338 | |
21 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,853 | +0.305% | 249 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,804 | +0.123% | 229 | |
23 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,116 | +0.054% | 205 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,733 | -0.170% | 180 | |
25 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,527 | +0.300% | 117 | |
26 | NexBank | Strong | Sound | Strong | Strong | $2,383 | +0.052% | 78 | |
27 | Atlantic Union Bank | Strong | Sound | Strong | Strong | $1,755 | +0.125% | 61 | |
28 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | $2,929 | -0.027% | 55 | |
29 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Sound | $2,587 | +0.316% | 44 | |
30 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,732 | +0.256% | 505 | |
31 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,328 | +0.341% | 244 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,453 | +0.166% | 212 | |
33 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $2,706 | +0.234% | 209 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,449 | +0.411% | 153 | |
35 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,835 | +0.478% | 142 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,981 | +0.437% | 116 | |
37 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,595 | +0.441% | 86 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,255 | +0.197% | 82 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,841 | +0.407% | 68 | |
40 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,075 | -0.154% | 65 | |
41 | SouthState Bank, National Association | Strong | Sound | Strong | Sound | $1,742 | +0.359% | 53 | |
42 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $1,868 | +0.113% | 46 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,409 | +0.847% | 260 | |
44 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,084 | +0.425% | 199 | |
45 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,972 | +0.336% | 198 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,422 | +0.336% | 144 | |
47 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $5,112 | +0.326% | 95 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,397 | +0.351% | 95 | |
49 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $3,286 | +0.300% | 67 | |
50 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Sound | $3,604 | +0.215% | 52 |
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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