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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,119 | -0.549% | 44 | |
2 | CAMPUS USA CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Sound | $954 | +0.151% | 15 | |
3 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,644 | +0.051% | 150 | |
4 | FIRST COMMERCE CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,411 | -0.466% | 70 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $924 | +0.053% | 46 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,134 | -0.078% | 24 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,174 | -0.056% | 19 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,768 | +0.265% | 345 | |
9 | ServisFirst Bank | Strong | Sound | Strong | Strong | Exceptional | $1,445 | +0.162% | 209 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,084 | +0.087% | 192 | |
11 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,427 | +0.248% | 171 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,430 | +0.391% | 133 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,327 | +0.212% | 101 | |
14 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,769 | +0.026% | 29 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,966 | +0.269% | 277 | |
16 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $3,162 | +0.425% | 53 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,515 | +0.179% | 24 | |
18 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,101 | +0.633% | 15 | |
19 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,316 | +0.668% | 13 | |
20 | University Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,082 | +0.180% | 290 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,510 | +0.400% | 43 | |
22 | Centennial Bank | Strong | Sound | Strong | Sound | Strong | $2,574 | +0.265% | 41 | |
23 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,692 | +0.458% | 37 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,825 | -0.171% | 19 | |
25 | Synovus Bank | Strong | Sound | Strong | Strong | Sound | $2,290 | +0.115% | 14 | |
26 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,919 | +0.213% | 41 | |
27 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,235 | +0.227% | 37 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,106 | +0.436% | 36 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,662 | +0.493% | 26 | |
30 | FIRST FLORIDA Credit Union | Strong | Strong | Acceptable | Acceptable | Strong | $581 | +0.242% | 25 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,948 | +0.676% | 24 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,856 | +0.857% | 23 | |
33 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,075 | +0.312% | 20 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,672 | +0.313% | 15 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,333 | +0.092% | 12 | |
36 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,849 | +0.396% | 11 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,658 | +0.196% | 84 | |
38 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,960 | -0.179% | 18 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,377 | +0.767% | 16 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,670 | +0.556% | 11 | |
41 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,397 | +0.171% | 10 | |
42 | VAN DYK MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $1,284 | +0.618% | 19 | |
43 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $2,800 | +0.827% | 13 | |
44 | Envision Credit Union | Sound | Acceptable | 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.
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