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 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,254 | +0.058% | 492 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $618 | -0.417% | 317 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $597 | -0.199% | 110 | |
4 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $584 | +0.188% | 681 | |
5 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $612 | +0.059% | 653 | |
6 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
7 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,116 | +0.054% | 205 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$693 | +0.121% | 189 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,574 | -0.255% | 111 | |
10 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,569 | +0.025% | 225 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
13 | United Bank | Strong | Sound | Strong | Strong | Exceptional | $1,846 | +0.131% | 584 | |
14 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,026 | +0.043% | 338 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.123% | 229 | |
18 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,706 | +0.234% | 209 | |
19 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,276 | +0.141% | 108 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,255 | +0.197% | 82 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,463 | +0.311% | 607 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,732 | +0.256% | 505 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,266 | +0.036% | 352 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,733 | -0.170% | 180 | |
25 | NexBank | Strong | Sound | Strong | Strong | Strong | $2,383 | +0.052% | 78 | |
26 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,755 | +0.125% | 61 | |
27 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,742 | +0.359% | 53 | |
28 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,587 | +0.316% | 44 | |
29 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,324 | +0.322% | 658 | |
30 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,942 | +0.444% | 340 | |
31 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,853 | +0.305% | 249 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,453 | +0.166% | 212 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,972 | +0.336% | 198 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.411% | 153 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,422 | +0.336% | 144 | |
36 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.300% | 117 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,981 | +0.437% | 116 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.351% | 95 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,595 | +0.441% | 86 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,841 | +0.407% | 68 | |
41 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,286 | +0.300% | 67 | |
42 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,604 | +0.215% | 52 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,574 | +0.301% | 250 | |
44 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $2,328 | +0.341% | 244 | |
45 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,084 | +0.425% | 199 | |
46 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,835 | +0.478% | 142 | |
47 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,112 | +0.326% | 95 | |
48 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,605 | +0.584% | 83 | |
49 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,868 | +0.113% | 46 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $4,320 | +0.297% | 39 |
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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