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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $685 | -0.501% | 43 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,682 | +0.196% | 62 | |
3 | First Reliance Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,453 | +0.024% | 31 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,854 | +0.158% | 60 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,902 | -0.053% | 16 | |
6 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $1,533 | +0.064% | 14 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,835 | +0.373% | 408 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,440 | +0.462% | 396 | |
9 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,357 | +0.453% | 242 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,391 | +0.184% | 202 | |
11 | FREEDOM FIRST Federal Credit Union | Strong | Sound | Strong | Strong | Exceptional | $1,818 | +0.163% | 130 | |
12 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,368 | +0.396% | 116 | |
13 | CNB Bank | Strong | Strong | Strong | Sound | Strong | $785 | -0.531% | 37 | |
14 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $1,873 | +0.178% | 30 | |
15 | Virginia Credit Union, Inc. | Strong | Strong | Strong | Strong | Sound | $1,118 | +0.214% | 11 | |
16 | CAPITAL CENTER, L.L.C. | Strong | Strong | Strong | Strong | Sound | $133 | +0.464% | 10 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,622 | +0.584% | 168 | |
18 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,561 | -0.048% | 61 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,337 | +0.221% | 29 | |
20 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,776 | +0.538% | 21 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,660 | +0.215% | 18 | |
22 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $648 | +0.166% | 16 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,602 | +0.502% | 123 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,582 | +0.447% | 91 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.395% | 69 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,746 | +0.322% | 62 | |
27 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,112 | +0.394% | 53 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.742% | 48 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,249 | +0.335% | 39 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,012 | +0.727% | 39 | |
31 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,592 | +0.032% | 36 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,255 | -0.097% | 20 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,299 | +0.489% | 31 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,441 | -0.019% | 31 | |
35 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,075 | +0.285% | 30 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,178 | +0.746% | 26 | |
37 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,788 | +0.589% | 24 | |
38 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $1,188 | -0.069% | 20 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,009 | +0.302% | 15 | |
40 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,717 | +0.322% | 14 | |
41 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,696 | +0.392% | 13 | |
42 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,729 | +0.205% | 12 | |
43 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Acceptable | $2,340 | +0.370% | 10 | |
44 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $2,889 | +0.771% | 31 | |
45 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,699 | +0.691% | 28 | |
46 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,404 | -0.140% | 23 | |
47 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,032 | +0.472% | 18 | |
48 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,701 | +0.461% | 18 | |
49 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,468 | +0.641% | 13 |
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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