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 | RANDOLPH-BROOKS FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $375 | +0.398% | 1,368 | |
2 | SECURITY SERVICE FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | -$308 | +0.087% | 499 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,044 | -0.572% | 301 | |
4 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Strong | $957 | -1.104% | 162 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,368 | -0.098% | 131 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,107 | -0.199% | 75 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220 | -0.547% | 984 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,150 | +0.071% | 816 | |
9 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,333 | -1.089% | 682 | |
10 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Strong | $987 | -0.862% | 316 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,700 | +0.055% | 167 | |
12 | Frost Bank | Exceptional | Exceptional | Sound | Sound | Strong | -$620 | -0.515% | 163 | |
13 | CREDIT HUMAN FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $776 | +0.162% | 86 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $583 | -0.350% | 84 | |
15 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Sound | Sound | Strong | $1,895 | -0.730% | 76 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,168 | -0.179% | 438 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,604 | +0.086% | 115 | |
20 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.087% | 111 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,013 | -0.264% | 228 | |
22 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794 | +0.216% | 201 | |
23 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $1,606 | -0.789% | 77 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,024 | +0.502% | 496 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,104 | +0.025% | 491 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,498 | +0.453% | 491 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,671 | +0.073% | 489 | |
28 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,351 | +0.335% | 446 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.167% | 350 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,866 | +0.070% | 340 | |
31 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,951 | +0.397% | 285 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,639 | +0.290% | 281 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.373% | 250 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,813 | +0.515% | 211 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.119% | 197 | |
36 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,957 | +0.384% | 185 | |
37 | First United Bank and Trust Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,782 | +0.241% | 169 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,095 | +0.336% | 167 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,175 | +0.351% | 142 | |
40 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,809 | +0.140% | 141 | |
41 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,529 | +0.221% | 125 | |
42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,938 | +0.322% | 114 | |
43 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $2,770 | +0.393% | 91 | |
44 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,474 | -0.857% | 567 | |
45 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $6,049 | -0.770% | 364 | |
46 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,179 | +0.775% | 348 | |
47 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,734 | +0.459% | 308 | |
48 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,834 | +0.320% | 270 | |
49 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,187 | +0.240% | 144 | |
50 | Sunflower Bank, National Association | Strong | Acceptable | Strong | Strong | Strong | $3,917 | +0.144% | 78 |
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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