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 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $751 | +0.128% | 63 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,596 | -0.429% | 30 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $37 | -0.097% | 13 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,469 | +0.005% | 248 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,396 | +0.000% | 33 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,128 | +0.171% | 816 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,495 | +0.137% | 397 | |
8 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,718 | +0.071% | 66 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,805 | +0.288% | 35 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,211 | -0.121% | 63 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | Sound | $1,126 | +0.132% | 15 | |
12 | Zions Bancorporation, N.A. | Strong | Strong | Strong | Sound | Sound | $3,391 | -0.497% | 13 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,395 | +0.148% | 12 | |
14 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,798 | +0.388% | 11 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,199 | +0.490% | 175 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,142 | +0.316% | 126 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,352 | +0.253% | 72 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,181 | +0.171% | 67 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,412 | +0.241% | 66 | |
20 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.232% | 53 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,937 | +0.624% | 52 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,450 | +0.258% | 47 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,249 | +0.294% | 46 | |
24 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $6,365 | +0.667% | 43 | |
25 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Sound | $1,251 | +0.296% | 21 | |
26 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Sound | $4,364 | +0.231% | 16 | |
27 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,508 | +0.251% | 102 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,507 | +0.255% | 80 | |
29 | TRAVIS CREDIT UNION | Strong | Sound | Sound | Sound | Strong | $3,495 | +0.032% | 45 | |
30 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,401 | +0.519% | 39 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,797 | +0.215% | 36 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,805 | -0.031% | 32 | |
33 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,823 | +0.464% | 30 | |
34 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,096 | +0.114% | 20 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,814 | +0.378% | 18 | |
36 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Sound | $560 | +0.194% | 16 | |
37 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $2,497 | +0.091% | 13 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,349 | +0.599% | 12 | |
39 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $2,338 | +0.250% | 10 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,263 | +0.459% | 103 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,019 | +0.680% | 72 | |
42 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | $1,460 | +0.218% | 36 | |
43 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,320 | +0.414% | 22 | |
44 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,641 | +0.165% | 15 | |
45 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $6,043 | +0.119% | 32 | |
46 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,230 | +0.620% | 21 | |
47 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $5,384 | +0.533% | 15 | |
48 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,473 | +0.486% | 13 | |
49 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $7,048 | +0.759% | 15 | |
50 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Strong | Sound | $3,955 | +0.112% | 11 |
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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