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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,005 | -0.052% | 219 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,873 | +0.003% | 206 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,374 | -0.035% | 182 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $805 | -0.527% | 398 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
7 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $697 | +0.064% | 257 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,399 | +0.235% | 4,381 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,496 | +0.256% | 2,421 | |
10 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $591 | +0.088% | 74 | |
11 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,883 | +0.034% | 524 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,431 | +0.162% | 479 | |
13 | Regions Bank | Strong | Sound | Exceptional | Strong | Strong | $2,215 | +0.111% | 413 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,356 | +0.185% | 402 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,728 | +0.445% | 278 | |
16 | MIDFLORIDA | Strong | Strong | Strong | Sound | Strong | $1,180 | -0.007% | 128 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,943 | -0.321% | 564 | |
19 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $3,548 | +0.743% | 159 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,304 | +0.279% | 144 | |
21 | First Horizon Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,217 | +0.049% | 112 | |
22 | SouthState Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $3,170 | +0.286% | 107 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,698 | +0.298% | 236 | |
24 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,820 | +0.331% | 254 | |
25 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | 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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