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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,969 | +1.136% | 88 | |
2 | FREEDOM FIRST Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $1,628 | +0.301% | 48 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,280 | +0.105% | 192 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,844 | +0.253% | 31 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,994 | +0.263% | 27 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,337 | +0.274% | 447 | |
7 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,844 | +0.578% | 188 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020 | +0.518% | 142 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,618 | +0.492% | 139 | |
10 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $4,232 | +0.230% | 43 | |
11 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,716 | +0.347% | 42 | |
12 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $1,202 | +0.391% | 38 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,842 | +0.017% | 21 | |
14 | Virginia Credit Union, Inc. | Strong | Strong | Strong | Strong | Sound | $1,286 | +0.429% | 15 | |
15 | First Federal Bank | Strong | Strong | Strong | Strong | Sound | $1,187 | +0.222% | 11 | |
16 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,519 | +0.253% | 95 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,662 | +0.749% | 29 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,930 | +0.064% | 27 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,113 | +0.428% | 24 | |
20 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,347 | +0.525% | 109 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,913 | +0.338% | 74 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,140 | +0.469% | 71 | |
23 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,103 | +0.786% | 40 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,900 | +0.424% | 37 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,485 | +0.385% | 34 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,478 | +0.252% | 29 | |
27 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,160 | +0.043% | 15 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,640 | +0.707% | 10 | |
29 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Exceptional | Sound | Acceptable | $4,088 | +1.064% | 10 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,415 | +0.815% | 12 |
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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