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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,602 | +0.035% | 997 | |
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 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $618 | -0.417% | 317 | |
6 | Ameris Bank | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,276 | +0.141% | 108 | |
7 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,111 | +0.259% | 622 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,463 | +0.311% | 607 | |
9 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,846 | +0.131% | 584 | |
10 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,853 | +0.305% | 249 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,972 | +0.336% | 198 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$693 | +0.121% | 189 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,733 | -0.170% | 180 | |
14 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Sound | Exceptional | $584 | +0.188% | 681 | |
15 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,254 | +0.058% | 492 | |
16 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,453 | +0.166% | 212 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,841 | +0.407% | 68 | |
18 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,075 | -0.154% | 65 | |
19 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,868 | +0.113% | 46 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,453 | +0.284% | 1,551 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,268 | +0.532% | 495 | |
22 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,885 | +0.469% | 455 | |
23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,255 | +0.277% | 422 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,574 | +0.301% | 250 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,804 | +0.123% | 229 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,255 | +0.197% | 82 | |
27 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,569 | +0.025% | 225 | |
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 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,090 | +0.533% | 88 | |
31 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Strong | $2,929 | -0.027% | 55 | |
32 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,069 | +0.003% | 42 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,409 | +0.847% | 260 | |
34 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,328 | +0.341% | 244 | |
35 | Presidential Bank, FSB | Strong | Acceptable | Strong | Exceptional | Strong | $3,084 | +0.425% | 199 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,449 | +0.411% | 153 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,422 | +0.336% | 144 | |
38 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $3,835 | +0.478% | 142 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.351% | 95 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,453 | +0.606% | 45 | |
41 | C & F Mortgage Corporation | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,324 | +0.322% | 658 | |
42 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,942 | +0.444% | 340 | |
43 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,112 | +0.326% | 95 | |
44 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $3,301 | +0.275% | 85 | |
45 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,648 | -0.581% | 55 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,323 | -0.042% | 48 | |
47 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $4,312 | +0.777% | 39 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,605 | +0.584% | 83 |
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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