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 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,818 | +0.163% | 130 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $685 | -0.501% | 43 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,391 | +0.184% | 202 | |
4 | Truist Bank | Strong | Strong | Strong | Strong | $1,682 | +0.196% | 62 | |
5 | Pinnacle Bank | Strong | Strong | Strong | Strong | $1,561 | -0.048% | 61 | |
6 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Strong | $1,592 | +0.032% | 36 | |
7 | First Reliance Bank | Strong | Strong | Strong | Strong | $1,453 | +0.024% | 31 | |
8 | Atlantic Union Bank | Strong | Sound | Strong | Exceptional | $2,368 | +0.396% | 116 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,854 | +0.158% | 60 | |
10 | CNB Bank | Strong | Strong | Sound | Strong | $785 | -0.531% | 37 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,835 | +0.373% | 408 | |
12 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,440 | +0.462% | 396 | |
13 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,357 | +0.453% | 242 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,622 | +0.584% | 168 | |
15 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,984 | +0.395% | 69 | |
16 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Sound | $1,873 | +0.178% | 30 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,602 | +0.502% | 123 | |
18 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,582 | +0.447% | 91 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,746 | +0.322% | 62 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,219 | +0.742% | 48 | |
21 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,249 | +0.335% | 39 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $5,012 | +0.727% | 39 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,441 | -0.019% | 31 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $4,337 | +0.221% | 29 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,255 | -0.097% | 20 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,872 | +0.547% | 82 | |
27 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,112 | +0.394% | 53 | |
28 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Sound | $2,889 | +0.771% | 31 | |
29 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,404 | -0.140% | 23 | |
30 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Sound | $2,776 | +0.538% | 21 | |
31 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $1,188 | -0.069% | 20 | |
32 | MEMBER ONE | Strong | Sound | Acceptable | Strong | $430 | +0.798% | 20 | |
33 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,299 | +0.489% | 31 | |
34 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,075 | +0.285% | 30 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $5,178 | +0.746% | 26 | |
36 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,788 | +0.589% | 24 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $2,699 | +0.691% | 28 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $3,698 | +0.803% | 22 |
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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