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 | $2,564 | +0.346% | 467 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $417 | +0.321% | 586 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $829 | -0.317% | 248 | |
4 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $937 | -0.160% | 31 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,559 | +0.527% | 662 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,401 | +0.367% | 417 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,335 | +0.738% | 184 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,285 | +0.449% | 122 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,321 | +0.363% | 91 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,413 | -0.475% | 82 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,974 | +0.263% | 642 | |
12 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Sound | Exceptional | $1,769 | +0.053% | 565 | |
13 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,487 | +0.238% | 366 | |
14 | HOMESPIRE MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,233 | +0.236% | 309 | |
15 | Gateway First Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,970 | +0.637% | 270 | |
16 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,700 | +0.167% | 223 | |
17 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,059 | +0.421% | 199 | |
18 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,951 | +0.098% | 175 | |
19 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,372 | -0.036% | 100 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,539 | +0.585% | 1,554 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,355 | +0.513% | 97 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,656 | +0.857% | 554 | |
23 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,298 | +0.521% | 414 | |
24 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,008 | +0.260% | 193 | |
25 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,158 | +0.723% | 175 | |
26 | Clear Mountain Bank | Strong | Sound | — | Strong | Exceptional | $980 | +0.141% | 175 | |
27 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,856 | +0.590% | 148 | |
28 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,247 | +0.247% | 77 | |
29 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,444 | +0.064% | 49 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,364 | +0.729% | 227 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,930 | +0.643% | 114 | |
32 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,087 | +0.192% | 102 | |
33 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,613 | +0.441% | 101 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,395 | +0.841% | 85 | |
35 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,681 | +0.871% | 77 | |
36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,891 | +1.108% | 31 | |
37 | VICTORIAN FINANCE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $1,915 | +0.204% | 166 | |
38 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,291 | +0.797% | 91 | |
39 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,870 | +0.213% | 52 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,986 | +0.665% | 49 | |
41 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,966 | +0.886% | 42 | |
42 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Sound | $2,600 | +0.636% | 31 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,771 | +1.157% | 129 | |
44 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,799 | +0.451% | 37 |
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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