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 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $679 | +0.109% | 987 | |
2 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $1,000 | -0.911% | 330 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Exceptional | $676 | -0.500% | 2,985 | |
4 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $600 | +0.033% | 1,973 | |
5 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Exceptional | $865 | +0.206% | 959 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $878 | -0.147% | 320 | |
7 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,652 | +0.204% | 311 | |
8 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $338 | -0.284% | 247 | |
9 | Citibank, National Association | Exceptional | Exceptional | Sound | Strong | $876 | -0.331% | 219 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
11 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
12 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,021 | +0.033% | 1,467 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
14 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,795 | +0.068% | 756 | |
15 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,615 | -0.158% | 635 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$175 | -0.005% | 546 | |
17 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $573 | -0.090% | 460 | |
18 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,175 | -0.074% | 248 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $567 | +0.032% | 227 | |
20 | Apple Federal Credit Union | Strong | Strong | Strong | Strong | $2,365 | -0.078% | 223 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
23 | United Bank | Strong | Sound | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
24 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,242 | +0.051% | 1,157 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
26 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,512 | -0.105% | 996 | |
27 | Atlantic Union Bank | Strong | Sound | Strong | Exceptional | $2,168 | +0.239% | 641 | |
28 | Fulton Bank, National Association | Strong | Sound | Strong | Exceptional | $1,780 | +0.302% | 509 | |
29 | F & M BANK CORP. | Strong | Sound | Strong | Exceptional | $2,114 | +0.284% | 295 | |
30 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
31 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,905 | +0.226% | 3,473 | |
33 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,283 | +0.061% | 1,677 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
38 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,278 | +0.331% | 1,122 | |
39 | Towne Bank | Strong | Acceptable | Exceptional | Exceptional | $2,887 | +0.177% | 872 | |
40 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,728 | +0.480% | 749 | |
41 | First National Bank of Pennsylvania | Strong | Sound | Strong | Strong | $1,253 | +0.016% | 486 | |
42 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,267 | +0.030% | 374 | |
43 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | $3,123 | +0.258% | 333 | |
44 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | $3,265 | +0.040% | 258 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,153 | +0.561% | 3,201 | |
46 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
48 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,083 | +0.200% | 885 | |
49 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | $3,289 | +0.340% | 687 | |
50 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,239 | +0.158% | 671 |
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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