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 | Sound | $379 | -0.461% | 17 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,613 | +0.303% | 16 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $613 | +0.649% | 13 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,705 | +0.264% | 401 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,993 | +0.347% | 252 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $4,258 | +0.135% | 157 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,374 | +0.329% | 58 | |
8 | EDUCATIONAL EMPLOYEES CREDIT UNION | Strong | Exceptional | Sound | Sound | Sound | $21 | -0.680% | 22 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,858 | +0.166% | 21 | |
10 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,089 | +0.316% | 255 | |
11 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $3,003 | +0.267% | 49 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,839 | +0.283% | 21 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,334 | +0.172% | 11 | |
14 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,274 | +0.491% | 75 | |
15 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $7,302 | +0.568% | 50 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,265 | +0.296% | 36 | |
17 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Sound | $5,438 | +0.447% | 28 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Acceptable | $4,650 | +0.298% | 10 | |
19 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,600 | +0.265% | 415 | |
20 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,396 | +0.474% | 207 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,474 | +0.327% | 66 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,349 | +0.395% | 44 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,884 | +0.888% | 33 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,706 | +0.318% | 29 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,577 | +0.505% | 27 | |
26 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $5,523 | +0.452% | 26 | |
27 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $7,079 | +0.608% | 23 | |
28 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $4,560 | +0.264% | 23 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,905 | +0.618% | 21 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,388 | +0.590% | 13 | |
31 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,902 | +0.468% | 12 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,924 | +0.482% | 66 | |
33 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,736 | +0.617% | 52 | |
34 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $6,426 | +0.910% | 24 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,450 | +0.426% | 17 | |
36 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $2,311 | +0.597% | 14 | |
37 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,096 | +0.248% | 24 | |
38 | CLM MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,910 | +0.271% | 23 | |
39 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,573 | +0.896% | 11 | |
40 | PACIFIC LENDING LLC | Sound | Mediocre | Sound | Strong | Strong | $6,242 | +0.581% | 77 | |
41 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,625 | +0.520% | 24 | |
42 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,744 | +1.272% | 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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