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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $612 | -0.852% | 184 | |
2 | North State Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.056% | 268 | |
3 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,572 | -0.130% | 363 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
5 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
6 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,987 | -0.444% | 56 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
8 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,970 | +0.103% | 403 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,753 | -0.020% | 247 | |
12 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $350 | -0.215% | 94 | |
13 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,016 | -0.247% | 52 | |
14 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$45 | -0.056% | 539 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,943 | -0.070% | 280 | |
16 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.312% | 208 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
20 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,623 | -0.084% | 263 | |
21 | Towne Mortgage of the Carolinas, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,010 | +0.200% | 224 | |
22 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Strong | Sound | Strong | Strong | $2,773 | +0.141% | 103 | |
23 | The Central Trust Bank | Strong | Sound | Exceptional | Strong | Strong | $1,638 | +0.073% | 99 | |
24 | INTERCOASTAL MORTGAGE, LLC | Strong | Strong | Strong | Strong | Sound | $2,077 | +0.475% | 56 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003 | +0.208% | 903 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575 | +0.415% | 177 | |
28 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,629 | +0.242% | 174 | |
29 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,948 | +0.300% | 159 | |
30 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533 | +0.188% | 155 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,536 | +0.315% | 151 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652 | +0.399% | 108 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,717 | -0.066% | 103 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.336% | 86 | |
35 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,444 | +0.196% | 69 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,919 | +0.006% | 306 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,537 | +0.224% | 284 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $608 | -0.154% | 245 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,788 | +0.270% | 126 | |
41 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590 | +0.181% | 52 | |
42 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $2,550 | +0.361% | 50 | |
43 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,200 | +0.355% | 223 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,501 | -0.069% | 83 | |
45 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,009 | +0.715% | 69 | |
46 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,213 | +0.396% | 62 | |
47 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.163% | 56 | |
48 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,910 | -0.025% | 52 | |
49 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,555 | -0.265% | 275 | |
50 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $2,433 | +0.297% | 166 |
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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