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 | Suncoast Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | -$751 | -0.884% | 501 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $805 | -0.527% | 398 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,811 | -0.055% | 145 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $697 | +0.064% | 257 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $2,005 | -0.052% | 219 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,374 | -0.035% | 182 | |
7 | TrustCo Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,326 | -0.236% | 95 | |
8 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $5,041 | +0.209% | 76 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,873 | +0.003% | 206 | |
10 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,788 | -0.027% | 105 | |
11 | Grow Financial Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $1,173 | -0.929% | 88 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,431 | +0.162% | 479 | |
16 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
17 | MIDFLORIDA | Strong | Strong | Strong | Sound | Strong | $1,180 | -0.007% | 128 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,369 | -0.896% | 127 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,379 | +0.087% | 125 | |
20 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,217 | +0.049% | 112 | |
21 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.286% | 107 | |
22 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $591 | +0.088% | 74 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,936 | +0.019% | 711 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,356 | +0.185% | 402 | |
26 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $895 | +0.449% | 230 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.306% | 84 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.034% | 524 | |
29 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,460 | -0.221% | 505 | |
30 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,215 | +0.111% | 413 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,747 | +0.461% | 400 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,728 | +0.445% | 278 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,807 | +0.509% | 260 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.304% | 185 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.435% | 174 | |
41 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
42 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,916 | +0.527% | 153 | |
43 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
45 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,453 | +0.356% | 98 | |
46 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,871 | -0.246% | 86 | |
47 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,662 | +0.326% | 468 | |
48 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,292 | +0.623% | 328 | |
49 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,907 | +0.575% | 123 | |
50 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,094 | +0.461% | 72 |
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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