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 | Strong | Exceptional | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
2 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $612 | +0.059% | 653 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,732 | +0.256% | 505 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,266 | +0.036% | 352 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
6 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $584 | +0.188% | 681 | |
7 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,846 | +0.131% | 584 | |
8 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,853 | +0.305% | 249 | |
9 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,254 | +0.058% | 492 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$693 | +0.121% | 189 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,733 | -0.170% | 180 | |
12 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,595 | +0.441% | 86 | |
13 | Tidewater Home Funding, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,929 | -0.027% | 55 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,268 | +0.532% | 495 | |
16 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
18 | Towne First Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,328 | +0.341% | 244 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.123% | 229 | |
20 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,527 | +0.300% | 117 | |
21 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,276 | +0.141% | 108 | |
22 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,286 | +0.300% | 67 | |
23 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,648 | -0.581% | 55 | |
24 | SouthState Bank, National Association | Strong | Strong | Strong | Strong | Sound | $1,742 | +0.359% | 53 | |
25 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,324 | +0.322% | 658 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,463 | +0.311% | 607 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,574 | +0.301% | 250 | |
28 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,706 | +0.234% | 209 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,981 | +0.437% | 116 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,841 | +0.407% | 68 | |
31 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,755 | +0.125% | 61 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $4,320 | +0.297% | 39 | |
33 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,569 | +0.025% | 225 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,453 | +0.166% | 212 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,972 | +0.336% | 198 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.411% | 153 | |
37 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,835 | +0.478% | 142 | |
38 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,604 | +0.215% | 52 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,409 | +0.847% | 260 | |
40 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,084 | +0.425% | 199 | |
41 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,112 | +0.326% | 95 | |
42 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,090 | +0.533% | 88 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,255 | +0.197% | 82 | |
44 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,069 | +0.003% | 42 | |
45 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $3,942 | +0.444% | 340 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,422 | +0.336% | 144 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,421 | +0.020% | 50 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,323 | -0.042% | 48 | |
49 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $4,522 | +0.589% | 44 |
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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