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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | FIRST COMMERCE CREDIT UNION | Exceptional | Exceptional | Acceptable | Exceptional | $1,411 | -0.466% | 70 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $1,119 | -0.549% | 44 | |
3 | University Bank | Strong | Sound | Exceptional | Exceptional | $2,082 | +0.180% | 290 | |
4 | ServisFirst Bank | Strong | Sound | Exceptional | Exceptional | $1,445 | +0.162% | 209 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,084 | +0.087% | 192 | |
6 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $1,644 | +0.051% | 150 | |
7 | Truist Bank | Strong | Strong | Strong | Strong | $924 | +0.053% | 46 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,134 | -0.078% | 24 | |
9 | Capital City Home Loans, LLC | Strong | Sound | Strong | Exceptional | $2,427 | +0.248% | 171 | |
10 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,327 | +0.212% | 101 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,768 | +0.265% | 345 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,966 | +0.269% | 277 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,430 | +0.391% | 133 | |
14 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $3,162 | +0.425% | 53 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,769 | +0.026% | 29 | |
16 | FIRST FLORIDA Credit Union | Strong | Strong | Acceptable | Strong | $581 | +0.242% | 25 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,510 | +0.400% | 43 | |
18 | Centennial Bank | Strong | Sound | Sound | Strong | $2,574 | +0.265% | 41 | |
19 | Regions Bank | Strong | Sound | Strong | Sound | $2,235 | +0.227% | 37 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,483 | -0.107% | 31 | |
21 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,515 | +0.179% | 24 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,658 | +0.196% | 84 | |
23 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,919 | +0.213% | 41 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,692 | +0.458% | 37 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $3,106 | +0.436% | 36 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,662 | +0.493% | 26 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,948 | +0.676% | 24 | |
28 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,856 | +0.857% | 23 | |
29 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $3,075 | +0.312% | 20 | |
30 | Envision Credit Union | Sound | Acceptable | Acceptable | Strong | $1,517 | +0.795% | 29 |
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.
Get personalized recommendations based on your specific needs