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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,372 | +0.164% | 537 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,630 | +0.309% | 506 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $844 | +0.079% | 398 | |
4 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,891 | +0.096% | 170 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
6 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,593 | +0.161% | 642 | |
7 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,144 | +0.231% | 268 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,244 | +0.364% | 96 | |
9 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,057 | +0.194% | 723 | |
10 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$629 | -0.066% | 494 | |
11 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | Exceptional | Strong | Strong | Sound | Exceptional | $1,302 | -0.266% | 344 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,585 | -0.097% | 308 | |
13 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,361 | +0.393% | 209 | |
14 | United Bank | Exceptional | Strong | Strong | Strong | Strong | $1,838 | -0.225% | 186 | |
15 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,650 | +0.222% | 100 | |
16 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,594 | +0.342% | 80 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,273 | +0.392% | 1,197 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,032 | +0.367% | 591 | |
20 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $3,832 | +0.175% | 334 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,284 | +0.114% | 261 | |
22 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,171 | +0.249% | 255 | |
23 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,828 | +0.245% | 231 | |
24 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,607 | +0.208% | 152 | |
25 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $808 | +0.056% | 145 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,261 | +0.280% | 114 | |
27 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,293 | +0.413% | 104 | |
28 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $3,221 | -0.187% | 81 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,477 | +0.318% | 349 | |
30 | Cazle Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,735 | +0.577% | 198 | |
31 | Shore United Bank, N.A. | Strong | Sound | Strong | Strong | Strong | $2,590 | +0.144% | 193 | |
32 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,933 | +0.150% | 162 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217 | +0.597% | 136 | |
34 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,408 | +0.133% | 124 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,474 | +0.322% | 120 | |
36 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.476% | 86 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.266% | 468 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.251% | 321 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,217 | +0.219% | 263 | |
40 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,406 | +0.290% | 253 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,144 | +0.089% | 237 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.307% | 209 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,219 | +0.102% | 202 | |
44 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,578 | +0.334% | 185 | |
45 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,627 | +0.637% | 171 | |
46 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.253% | 168 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,351 | +0.528% | 121 | |
48 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,157 | +0.854% | 113 | |
49 | Vellum Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Strong | $3,300 | +0.235% | 102 | |
50 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,612 | +0.097% | 93 |
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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