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 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $217 | +0.146% | 139 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
3 | FCB Banks | Exceptional | Exceptional | Strong | Sound | Exceptional | $714 | -0.085% | 642 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $348 | -0.438% | 272 | |
5 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $658 | +0.143% | 164 | |
6 | United Community Bank | Exceptional | Exceptional | Strong | Strong | Strong | $155 | +0.176% | 137 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
8 | Stifel Bank and Trust | Exceptional | Strong | Strong | Strong | Exceptional | $267 | -0.063% | 1,013 | |
9 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,306 | +0.165% | 646 | |
10 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
11 | SCOTT CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $674 | +0.061% | 458 | |
12 | Midwest BankCentre | Exceptional | Exceptional | Sound | Sound | Exceptional | $669 | +0.009% | 388 | |
13 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,282 | -0.037% | 331 | |
14 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $362 | +0.261% | 226 | |
15 | Busey Bank | Exceptional | Strong | Strong | Exceptional | Strong | $861 | +0.350% | 139 | |
16 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $191 | -0.203% | 99 | |
17 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $630 | +0.206% | 93 | |
18 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,254 | +0.077% | 76 | |
19 | GERSHMAN INVESTMENT CORP. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,367 | +0.555% | 709 | |
20 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
21 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
22 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,987 | +0.135% | 159 | |
23 | Bank of Springfield | Exceptional | Strong | Strong | Strong | Strong | $788 | +0.296% | 131 | |
24 | First Mid Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Strong | $826 | +0.145% | 124 | |
25 | U S WIDE FINANCIAL LLC | Exceptional | Exceptional | Sound | Sound | Strong | -$372 | -0.175% | 112 | |
26 | Great Southern Bank | Exceptional | Strong | Strong | Strong | Strong | $874 | +0.196% | 79 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
28 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
29 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,566 | +0.187% | 432 | |
31 | TOGETHER CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $803 | +0.033% | 363 | |
32 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,088 | +0.381% | 175 | |
33 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,047 | +0.532% | 167 | |
34 | First State Community Bank | Strong | Strong | Strong | Sound | Strong | $1,225 | +0.084% | 143 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,168 | +0.319% | 136 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $872 | +0.501% | 125 | |
37 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $818 | +0.248% | 119 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
39 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,824 | +0.649% | 1,731 | |
40 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,290 | +0.421% | 443 | |
41 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,997 | -0.052% | 220 | |
42 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,272 | +0.604% | 207 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,010 | +0.567% | 470 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.520% | 344 | |
45 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,350 | +0.722% | 264 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,286 | +0.504% | 208 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,163 | +0.706% | 182 | |
48 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,693 | +0.356% | 168 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
50 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,496 | +0.454% | 118 |
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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