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 | ServisFirst Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,445 | +0.162% | 209 | |
2 | University Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,082 | +0.180% | 290 | |
3 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,644 | +0.051% | 150 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,084 | +0.087% | 192 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,483 | -0.107% | 31 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,768 | +0.265% | 345 | |
7 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,427 | +0.248% | 171 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,430 | +0.391% | 133 | |
9 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,327 | +0.212% | 101 | |
10 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $924 | +0.053% | 46 | |
11 | Centennial Bank | Strong | Strong | Strong | Sound | Strong | $2,574 | +0.265% | 41 | |
12 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,075 | +0.312% | 20 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,825 | -0.171% | 19 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,966 | +0.269% | 277 | |
15 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $3,162 | +0.425% | 53 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,510 | +0.400% | 43 | |
17 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $2,919 | +0.213% | 41 | |
18 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,692 | +0.458% | 37 | |
19 | Regions Bank | Strong | Sound | Exceptional | Sound | Sound | $2,235 | +0.227% | 37 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,106 | +0.436% | 36 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,662 | +0.493% | 26 | |
22 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Acceptable | $4,397 | +0.171% | 10 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,515 | +0.179% | 24 | |
24 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,284 | +0.618% | 19 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,672 | +0.313% | 15 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,316 | +0.668% | 13 | |
27 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.323% | 13 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,771 | +0.414% | 15 | |
29 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $2,800 | +0.827% | 13 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,441 | +0.262% | 10 | |
31 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Exceptional | Acceptable | $3,215 | +0.308% | 10 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,377 | +0.767% | 16 |
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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