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 | Strong | $549 | -0.486% | 79 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,175 | +0.211% | 24 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,359 | +0.348% | 193 | |
4 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $4,257 | +0.110% | 65 | |
5 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,940 | +0.238% | 61 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,452 | +0.029% | 36 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,523 | +0.088% | 20 | |
8 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $990 | +0.196% | 18 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,897 | +0.043% | 92 | |
10 | Apple Federal Credit Union | Strong | Strong | Sound | Sound | Strong | $1,964 | -0.088% | 19 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $4,418 | +0.249% | 13 | |
12 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $4,118 | +0.483% | 146 | |
13 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,881 | +0.351% | 82 | |
14 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $4,709 | +0.489% | 72 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.394% | 38 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,396 | +0.348% | 37 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,256 | +0.254% | 32 | |
18 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,366 | +0.660% | 14 | |
19 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Sound | $3,850 | +0.388% | 10 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $3,102 | +0.417% | 10 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,494 | +0.160% | 30 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,932 | +0.358% | 27 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,317 | +0.107% | 26 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,680 | +0.492% | 20 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,842 | +0.638% | 18 | |
26 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,459 | +0.898% | 17 | |
27 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Sound | Strong | Sound | $2,556 | +0.324% | 14 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,722 | +0.337% | 11 | |
29 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,505 | +0.353% | 11 | |
30 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,953 | +0.037% | 14 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,003 | +0.985% | 13 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,623 | +0.364% | 10 | |
33 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,867 | +0.886% | 24 | |
34 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,397 | +0.723% | 14 | |
35 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,335 | +0.250% | 13 | |
36 | CITY LENDING INC. | Sound | Mediocre | Sound | Sound | Strong | $5,329 | +0.767% | 28 |
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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