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 | Stifel Bank and Trust | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $267 | -0.063% | 1,013 | |
2 | Midwest BankCentre | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $669 | +0.009% | 388 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
4 | FCB Banks | Exceptional | Exceptional | Strong | Strong | Exceptional | $714 | -0.085% | 642 | |
5 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $191 | -0.203% | 99 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $552 | +0.186% | 783 | |
7 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,367 | +0.555% | 709 | |
8 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,306 | +0.165% | 646 | |
9 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,496 | +0.415% | 516 | |
10 | SCOTT CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $674 | +0.061% | 458 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $348 | -0.438% | 272 | |
12 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $818 | +0.248% | 119 | |
13 | Carrollton Bank | Exceptional | Strong | Strong | Strong | Exceptional | $828 | +0.169% | 589 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,071 | +0.520% | 344 | |
15 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,999 | +0.806% | 338 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,997 | -0.052% | 220 | |
17 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,153 | +0.325% | 89 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,566 | +0.187% | 432 | |
19 | First Bank | Exceptional | Strong | Strong | Strong | Strong | $1,098 | +0.237% | 255 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,693 | +0.356% | 168 | |
21 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,047 | +0.532% | 167 | |
22 | VICTORY MORTGAGE, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $658 | +0.143% | 164 | |
23 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,601 | -0.169% | 151 | |
24 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,496 | +0.454% | 118 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
26 | FLAT BRANCH MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
27 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
28 | The Central Trust Bank | Strong | Sound | Strong | Strong | Exceptional | $889 | +0.305% | 632 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,579 | +0.476% | 274 | |
30 | Paramount Bank | Strong | Sound | Strong | Strong | Exceptional | $1,558 | +0.303% | 243 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,088 | +0.381% | 175 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $1,389 | +0.358% | 155 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,168 | +0.319% | 136 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $872 | +0.501% | 125 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
36 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,824 | +0.649% | 1,731 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,738 | +0.533% | 923 | |
38 | ENDEAVOR CAPITAL, LLC. | Strong | Sound | Strong | Sound | Exceptional | $2,045 | +0.456% | 596 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,010 | +0.567% | 470 | |
40 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,290 | +0.421% | 443 | |
41 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,694 | +0.693% | 270 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,286 | +0.504% | 208 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,163 | +0.706% | 182 | |
44 | FRONTIER FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,630 | +0.557% | 94 | |
45 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,204 | +0.713% | 238 | |
46 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,272 | +0.604% | 207 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $1,547 | +0.474% | 359 | |
48 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,350 | +0.722% | 264 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,597 | +0.795% | 89 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,056 | +0.440% | 73 |
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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