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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,835 | +0.373% | 408 | |
2 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,440 | +0.462% | 396 | |
3 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,357 | +0.453% | 242 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,391 | +0.184% | 202 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $1,873 | +0.178% | 30 | |
6 | CAPITAL CENTER, L.L.C. | Strong | Strong | Strong | Strong | Sound | $133 | +0.464% | 10 | |
7 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,622 | +0.584% | 168 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,337 | +0.221% | 29 | |
9 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,776 | +0.538% | 21 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,602 | +0.502% | 123 | |
11 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,582 | +0.447% | 91 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.395% | 69 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,746 | +0.322% | 62 | |
14 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,112 | +0.394% | 53 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,219 | +0.742% | 48 | |
16 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,249 | +0.335% | 39 | |
17 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,012 | +0.727% | 39 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,255 | -0.097% | 20 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,299 | +0.489% | 31 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,441 | -0.019% | 31 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,075 | +0.285% | 30 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,178 | +0.746% | 26 | |
23 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $1,188 | -0.069% | 20 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,009 | +0.302% | 15 | |
25 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,729 | +0.205% | 12 | |
26 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Acceptable | $2,340 | +0.370% | 10 | |
27 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $2,889 | +0.771% | 31 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,699 | +0.691% | 28 | |
29 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,032 | +0.472% | 18 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,698 | +0.803% | 22 | |
31 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,701 | +0.461% | 18 | |
32 | AMERICAN FINANCIAL RESOURCES, INC. | Sound | Acceptable | Strong | Sound | Sound | $3,468 | +0.641% | 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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