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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $676 | -0.500% | 2,985 | |
3 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,795 | +0.068% | 756 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $338 | -0.284% | 247 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
9 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $679 | +0.109% | 987 | |
10 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,905 | +0.226% | 3,473 | |
11 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,283 | +0.061% | 1,677 | |
13 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,242 | +0.051% | 1,157 | |
15 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,887 | +0.177% | 872 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
17 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$175 | -0.005% | 546 | |
18 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
19 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,436 | +0.028% | 293 | |
20 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $600 | +0.033% | 1,973 | |
21 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,021 | +0.033% | 1,467 | |
22 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
23 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,545 | +0.236% | 1,108 | |
24 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Sound | Exceptional | $865 | +0.206% | 959 | |
25 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Strong | $1,253 | +0.016% | 486 | |
26 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,920 | -0.158% | 483 | |
27 | FREEDOM FIRST Federal Credit Union | Exceptional | Strong | — | Strong | Exceptional | $1,652 | +0.204% | 311 | |
28 | PENTAGON FEDERAL CREDIT UNION | Exceptional | Strong | Exceptional | Sound | Strong | $2,782 | -0.157% | 306 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.295% | 288 | |
30 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,741 | +0.405% | 288 | |
31 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
32 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
33 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
34 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
35 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,695 | +0.375% | 1,740 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
37 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,868 | -0.007% | 1,109 | |
39 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
40 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,038 | +0.165% | 445 | |
42 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $3,924 | +0.473% | 350 | |
43 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,047 | +0.228% | 255 | |
44 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,194 | +0.274% | 233 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,153 | +0.561% | 3,201 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
47 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,083 | +0.200% | 885 | |
48 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
49 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,289 | +0.340% | 687 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 |
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