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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $906 | +0.048% | 677 | |
2 | SCHOOLSFIRST | Exceptional | Exceptional | Strong | Strong | Exceptional | $478 | +0.065% | 554 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,760 | +0.019% | 353 | |
4 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,714 | -0.068% | 236 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $753 | -0.450% | 337 | |
6 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $907 | -0.103% | 95 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,471 | +0.150% | 562 | |
8 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$2,831 | -0.056% | 136 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,170 | +0.169% | 7,468 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,050 | +0.197% | 3,925 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,734 | +0.182% | 910 | |
12 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,039 | +0.147% | 94 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,142 | +0.097% | 1,774 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,000 | +0.111% | 585 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,235 | +0.377% | 360 | |
16 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,391 | +0.260% | 334 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $5,543 | +0.288% | 129 | |
18 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,646 | +0.486% | 472 | |
19 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,237 | +0.307% | 358 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,922 | +0.468% | 817 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,651 | +0.540% | 701 | |
22 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,811 | +0.261% | 547 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,291 | +0.443% | 374 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,544 | +0.362% | 276 | |
25 | FRANKLIN LOAN CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,498 | +0.459% | 595 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,289 | +0.497% | 450 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,872 | +0.239% | 376 | |
28 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.340% | 102 | |
29 | OCMBC, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,713 | +0.519% | 1,452 | |
30 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,671 | +1.102% | 286 | |
31 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Strong | $3,869 | +0.679% | 257 | |
32 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,722 | +0.464% | 222 | |
33 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,075 | -0.182% | 182 | |
34 | ONY GLO, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,504 | +0.395% | 125 | |
35 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,505 | +1.755% | 95 | |
36 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,896 | +0.337% | 491 | |
37 | ROYAL PACIFIC FUNDING CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,529 | +0.599% | 339 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,706 | +0.620% | 218 | |
39 | AAA CAPITAL INVESTMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,519 | +0.399% | 173 | |
40 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $4,377 | +0.521% | 123 | |
41 | JMAC LENDING, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,968 | +0.382% | 136 | |
42 | MK LENDING CORP. | Sound | Mediocre | Strong | Sound | Strong | $4,541 | +0.641% | 136 | |
43 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,503 | +0.643% | 135 | |
44 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,105 | +0.393% | 129 | |
45 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Strong | $3,388 | +0.587% | 106 |
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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