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 | Strong | Exceptional | Strong | Exceptional | -$515 | -0.209% | 92 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | -$1,390 | -0.318% | 32 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$318 | -0.303% | 200 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$436 | -0.385% | 63 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $220 | -0.544% | 44 | |
6 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$235 | -0.027% | 32 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | $0 | -0.751% | 10 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,366 | +0.044% | 137 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,814 | +0.064% | 136 | |
10 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,987 | -0.059% | 60 | |
11 | BMO Bank National Association | Strong | Strong | Strong | Sound | Strong | -$756 | -0.064% | 51 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931 | +0.379% | 97 | |
13 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Strong | $579 | -0.364% | 43 | |
14 | REDWOOD | Strong | Sound | Strong | Strong | Strong | $230 | -0.055% | 38 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | -$266 | +0.011% | 18 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,635 | +0.466% | 15 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,601 | +0.119% | 62 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | -$107 | +0.163% | 21 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,552 | +0.110% | 40 | |
20 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,105 | +0.386% | 36 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,534 | -0.016% | 22 | |
22 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,119 | -0.063% | 11 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,975 | +0.262% | 66 | |
24 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,121 | +0.307% | 41 | |
25 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,711 | +0.512% | 39 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,054 | +0.298% | 27 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,853 | +0.432% | 20 | |
28 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Acceptable | $6,393 | -0.816% | 10 |
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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