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 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Exceptional | -$751 | -0.884% | 501 | |
2 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | $1,786 | -1.030% | 232 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $805 | -0.527% | 398 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,346 | +0.286% | 275 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,811 | -0.055% | 145 | |
6 | TrustCo Bank | Exceptional | Exceptional | Sound | Strong | $1,326 | -0.236% | 95 | |
7 | Grow Financial Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $1,173 | -0.929% | 88 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
9 | Truist Bank | Strong | Strong | Strong | Strong | $697 | +0.064% | 257 | |
10 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $895 | +0.449% | 230 | |
11 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,005 | -0.052% | 219 | |
12 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $1,374 | -0.035% | 182 | |
13 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $1,788 | -0.027% | 105 | |
14 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $5,041 | +0.209% | 76 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,936 | +0.019% | 711 | |
16 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,873 | +0.003% | 206 | |
17 | MIDFLORIDA | Strong | Strong | Sound | Strong | $1,180 | -0.007% | 128 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,369 | -0.896% | 127 | |
19 | Fifth Third Bank, National Association | Strong | Strong | Strong | Sound | $591 | +0.088% | 74 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,943 | -0.321% | 564 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,431 | +0.162% | 479 | |
23 | Regions Bank | Strong | Sound | Strong | Strong | $2,215 | +0.111% | 413 | |
24 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,356 | +0.185% | 402 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,336 | +0.115% | 326 | |
26 | GTE Federal Credit Union | Strong | Sound | Sound | Exceptional | $1,355 | +0.079% | 209 | |
27 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $3,155 | +0.432% | 170 | |
28 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,217 | +0.049% | 112 | |
29 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $3,170 | +0.286% | 107 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,956 | +0.467% | 717 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,883 | +0.034% | 524 | |
32 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $4,460 | -0.221% | 505 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,747 | +0.461% | 400 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,925 | +0.386% | 338 | |
35 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,371 | +0.528% | 294 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,728 | +0.445% | 278 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,807 | +0.509% | 260 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,820 | +0.331% | 254 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,379 | +0.087% | 125 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,742 | +0.354% | 122 | |
41 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,778 | -0.226% | 97 | |
42 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,871 | -0.246% | 86 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,610 | +0.687% | 530 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,982 | +0.572% | 276 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,698 | +0.298% | 236 | |
46 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,106 | +0.404% | 217 | |
47 | RESIDENTIAL ACCEPTANCE CORPORATION | Strong | Acceptable | Strong | Strong | $6,111 | +0.101% | 197 | |
48 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,523 | +0.292% | 193 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,886 | +0.304% | 185 | |
50 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,291 | +0.435% | 174 |
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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