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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $115 | -0.189% | 146 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $528 | -0.524% | 56 | |
3 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,927 | +0.214% | 354 | |
4 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $2,027 | +0.142% | 68 | |
5 | STANDARD MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Strong | $2,071 | +0.068% | 63 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,992 | +0.380% | 181 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,701 | +0.165% | 172 | |
8 | Gulf Coast Bank and Trust Company | Strong | Sound | Strong | Strong | Exceptional | $1,784 | +0.275% | 136 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,978 | +0.374% | 60 | |
10 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,649 | +0.118% | 41 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,217 | -0.086% | 14 | |
12 | BankPlus | Strong | Strong | Strong | Strong | Sound | $1,565 | -0.048% | 10 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,925 | +0.420% | 23 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,482 | +0.335% | 21 | |
15 | CHEVRON Federal Credit Union | Strong | Strong | Strong | Sound | Sound | $105 | -0.383% | 11 | |
16 | Filo Mortgage, L.L.C. | Strong | Strong | Strong | Sound | Sound | $2,147 | +0.387% | 10 | |
17 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Exceptional | $3,377 | +0.325% | 136 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.278% | 89 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,557 | +0.163% | 83 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,903 | +0.591% | 79 | |
21 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $3,260 | +0.201% | 66 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,433 | +0.364% | 43 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,418 | -0.218% | 24 | |
24 | KEESLER | Strong | Strong | Sound | Sound | Sound | $706 | -0.393% | 16 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.456% | 69 | |
26 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,365 | +0.312% | 28 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,427 | +0.416% | 25 | |
28 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,041 | +0.390% | 21 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,330 | +0.474% | 19 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,201 | +0.333% | 16 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,205 | -0.029% | 16 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,341 | +0.225% | 15 | |
33 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,909 | +0.452% | 25 | |
34 | Towne Bank | Strong | Acceptable | Strong | Strong | Sound | $2,929 | +0.295% | 21 | |
35 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,633 | -0.225% | 17 | |
36 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,037 | +0.514% | 12 | |
37 | America's Mortgage Resource, Inc. | Strong | Sound | Sound | Sound | Sound | $1,430 | +0.359% | 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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