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 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,317 | +0.107% | 193 | |
2 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Strong | $1,131 | +0.085% | 32 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,090 | +0.171% | 204 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,862 | -0.050% | 121 | |
5 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,306 | +0.042% | 84 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,591 | +0.359% | 13 | |
7 | GRAY FOX MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,560 | +0.336% | 150 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,529 | +0.128% | 66 | |
9 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,231 | +0.466% | 62 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,564 | +0.251% | 39 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,459 | +0.230% | 38 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,352 | +0.207% | 33 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,696 | +0.136% | 33 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,706 | +0.136% | 22 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,976 | -0.328% | 17 | |
16 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $2,265 | -0.014% | 15 | |
17 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $908 | +0.514% | 13 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Acceptable | $2,753 | -0.249% | 10 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,037 | +0.325% | 22 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,645 | +0.505% | 22 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,586 | +0.274% | 19 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,163 | -0.259% | 15 | |
23 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,552 | +0.485% | 77 | |
24 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Strong | $1,913 | +0.333% | 49 | |
25 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,990 | +0.332% | 37 | |
26 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $2,010 | +0.364% | 21 | |
27 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $5,168 | +0.689% | 16 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,482 | +0.003% | 11 | |
29 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $5,661 | +0.261% | 10 | |
30 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $4,346 | +0.284% | 21 | |
31 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,956 | +0.058% | 12 | |
32 | Towne Mortgage, LLC | Sound | Mediocre | Sound | Strong | Sound | $4,611 | +0.141% | 14 | |
33 | Farm Credit of the Virginias, ACA | Acceptable | Mediocre | Acceptable | Acceptable | Sound | $877 | +1.578% | 13 |
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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