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 | Exceptional | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
2 | Stifel Bank and Trust | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $267 | -0.063% | 1,013 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,282 | -0.037% | 331 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,987 | +0.135% | 159 | |
5 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $217 | +0.146% | 139 | |
6 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,224 | +0.392% | 1,380 | |
7 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
8 | TOGETHER CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $803 | +0.033% | 363 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,559 | +0.446% | 1,941 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,198 | +0.313% | 1,857 | |
11 | First State Bank of St. Charles, Missouri | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
12 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
13 | SCOTT CREDIT UNION | Exceptional | Strong | — | Strong | Exceptional | $674 | +0.061% | 458 | |
14 | Regions Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,290 | +0.421% | 443 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,496 | +0.415% | 516 | |
16 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,566 | +0.187% | 432 | |
17 | Commerce Bank | Strong | Strong | Strong | Sound | Strong | $220 | +0.270% | 230 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
19 | DAS Acquisition Company, LLC | Strong | Sound | Strong | Sound | Exceptional | $1,824 | +0.649% | 1,731 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,077 | +0.654% | 1,836 | |
21 | First Bank | Sound | Mediocre | Strong | Strong | Strong | $1,098 | +0.237% | 255 |
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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