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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,346 | +0.286% | 275 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,936 | +0.019% | 711 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $805 | -0.527% | 398 | |
5 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $1,786 | -1.030% | 232 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,369 | -0.896% | 127 | |
7 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,217 | +0.049% | 112 | |
8 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,460 | -0.221% | 505 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,356 | +0.185% | 402 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
11 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $895 | +0.449% | 230 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,374 | -0.035% | 182 | |
13 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
15 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,304 | +0.279% | 144 | |
16 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,883 | +0.034% | 524 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,431 | +0.162% | 479 | |
19 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,728 | +0.445% | 278 | |
20 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $3,170 | +0.286% | 107 | |
21 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,788 | -0.027% | 105 | |
22 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,778 | -0.226% | 97 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,662 | +0.326% | 468 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
27 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $697 | +0.064% | 257 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,291 | +0.435% | 174 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,916 | +0.527% | 153 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,379 | +0.087% | 125 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,956 | +0.467% | 717 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747 | +0.461% | 400 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820 | +0.331% | 254 | |
35 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $3,035 | +0.264% | 118 | |
36 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,488 | +0.348% | 116 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.306% | 84 | |
38 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Strong | $3,094 | +0.461% | 72 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,610 | +0.687% | 530 | |
40 | Regions Bank | Strong | Sound | Strong | Sound | Strong | $2,215 | +0.111% | 413 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
42 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,807 | +0.509% | 260 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.304% | 185 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
46 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,871 | -0.246% | 86 | |
47 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,448 | +0.624% | 168 | |
48 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,698 | +0.843% | 138 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,122 | +0.335% | 137 | |
50 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,453 | +0.356% | 98 |
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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