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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,717 | -0.074% | 899 | |
2 | LANGLEY Federal Credit Union | Exceptional | Exceptional | — | Strong | Exceptional | $1,235 | -0.405% | 168 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
4 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,810 | +0.203% | 450 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,860 | +0.121% | 319 | |
6 | Tidewater Home Funding, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $3,341 | +0.061% | 181 | |
7 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Strong | $470 | +0.180% | 154 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,509 | -0.474% | 264 | |
9 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $4,095 | -0.352% | 88 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
12 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,806 | +0.030% | 250 | |
14 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $1,502 | +0.047% | 192 | |
15 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,295 | +0.006% | 140 | |
16 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,562 | +0.306% | 89 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,045 | +0.159% | 863 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,362 | +0.187% | 442 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,261 | +0.398% | 339 | |
20 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,904 | +0.377% | 147 | |
21 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,020 | +0.307% | 132 | |
22 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,294 | +0.111% | 124 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,316 | +0.329% | 120 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,643 | +0.248% | 100 | |
25 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,646 | -0.194% | 62 | |
26 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,708 | +0.160% | 54 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545 | +0.539% | 1,835 | |
28 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,174 | +0.129% | 461 | |
29 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,257 | +0.092% | 442 | |
30 | Towne Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,185 | +0.218% | 333 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,451 | +0.077% | 234 | |
32 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,999 | +0.073% | 211 | |
33 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Strong | $3,805 | +0.225% | 166 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,398 | +0.398% | 144 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,661 | +0.654% | 121 | |
36 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,546 | +0.383% | 118 | |
37 | LoanUnited.com, LLC | Strong | Sound | Strong | Sound | Strong | $2,454 | -0.305% | 116 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,589 | +0.266% | 106 | |
39 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,646 | -0.139% | 106 | |
40 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,818 | +0.457% | 58 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,996 | +0.609% | 57 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,607 | +0.350% | 1,538 | |
43 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $2,782 | +0.322% | 264 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,155 | +0.318% | 148 | |
45 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $3,125 | +0.289% | 136 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,863 | -0.040% | 89 | |
47 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,318 | +0.701% | 62 | |
48 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,542 | +0.170% | 55 | |
49 | Archer Mortgage, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,261 | +0.131% | 159 | |
50 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Sound | Strong | Strong | $4,461 | +0.017% | 109 |
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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