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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $769 | -0.468% | 1,147 | |
2 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,002 | -0.888% | 296 | |
3 | LANGLEY Federal Credit Union | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,235 | -0.405% | 168 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,502 | +0.047% | 192 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,516 | -0.098% | 130 | |
6 | Atlantic Coast Mortgage, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,134 | +0.168% | 493 | |
7 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,999 | +0.073% | 211 | |
8 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $470 | +0.180% | 154 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $858 | -0.026% | 72 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $941 | -0.411% | 67 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,806 | +0.030% | 250 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,500 | +0.064% | 232 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $3,155 | +0.318% | 148 | |
17 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,295 | +0.006% | 140 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,717 | -0.074% | 899 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.159% | 863 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,509 | -0.474% | 264 | |
21 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904 | +0.377% | 147 | |
22 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,240 | +0.307% | 974 | |
23 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,174 | +0.129% | 461 | |
24 | Towne Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,810 | +0.203% | 450 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,878 | +0.365% | 341 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,261 | +0.398% | 339 | |
27 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,860 | +0.121% | 319 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,451 | +0.077% | 234 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,398 | +0.398% | 144 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,020 | +0.307% | 132 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.303% | 126 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,661 | +0.654% | 121 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,316 | +0.329% | 120 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,589 | +0.266% | 106 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | -0.139% | 106 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,643 | +0.248% | 100 | |
37 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.306% | 89 | |
38 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,095 | -0.352% | 88 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,545 | +0.539% | 1,835 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,607 | +0.350% | 1,538 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,362 | +0.187% | 442 | |
42 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $2,782 | +0.322% | 264 | |
43 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,805 | +0.225% | 166 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,946 | +0.342% | 156 | |
45 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,546 | +0.383% | 118 | |
46 | Armed Forces Bank, National Association | Strong | Sound | Sound | Sound | Strong | $543 | -0.110% | 76 | |
47 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,646 | -0.194% | 62 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,996 | +0.609% | 57 | |
49 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,542 | +0.170% | 55 | |
50 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,708 | +0.160% | 54 |
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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