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 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,002 | -0.888% | 296 | |
2 | LANGLEY Federal Credit Union | Exceptional | Exceptional | Strong | Exceptional | $1,235 | -0.405% | 168 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $769 | -0.468% | 1,147 | |
4 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Strong | $470 | +0.180% | 154 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
6 | Truist Bank | Strong | Strong | Strong | Strong | $1,502 | +0.047% | 192 | |
7 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,516 | -0.098% | 130 | |
8 | NBKC BANK | Strong | Exceptional | Sound | Sound | $941 | -0.411% | 67 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,717 | -0.074% | 899 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,999 | +0.073% | 211 | |
11 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Exceptional | $3,341 | +0.061% | 181 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | $3,295 | +0.006% | 140 | |
13 | Armed Forces Bank, National Association | Strong | Strong | Sound | Strong | $543 | -0.110% | 76 | |
14 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $858 | -0.026% | 72 | |
15 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,045 | +0.159% | 863 | |
18 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
19 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,810 | +0.203% | 450 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,509 | -0.474% | 264 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,806 | +0.030% | 250 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,500 | +0.064% | 232 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,646 | -0.139% | 106 | |
24 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $2,562 | +0.306% | 89 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,545 | +0.539% | 1,835 | |
26 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $3,174 | +0.129% | 461 | |
27 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | $4,257 | +0.092% | 442 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,261 | +0.398% | 339 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,451 | +0.077% | 234 | |
30 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,805 | +0.225% | 166 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,155 | +0.318% | 148 | |
32 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,904 | +0.377% | 147 | |
33 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,165 | -0.251% | 138 | |
34 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,020 | +0.307% | 132 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,661 | +0.654% | 121 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,316 | +0.329% | 120 | |
37 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,546 | +0.383% | 118 | |
38 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $2,454 | -0.305% | 116 | |
39 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,589 | +0.266% | 106 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,643 | +0.248% | 100 | |
41 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $4,095 | -0.352% | 88 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,878 | +0.365% | 341 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,860 | +0.121% | 319 | |
44 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $2,782 | +0.322% | 264 | |
45 | Archer Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,261 | +0.131% | 159 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,398 | +0.398% | 144 | |
47 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,911 | +0.303% | 126 | |
48 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $4,461 | +0.017% | 109 | |
49 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,818 | +0.457% | 58 | |
50 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,996 | +0.609% | 57 |
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.
Get personalized recommendations based on your specific needs