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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Strong | $470 | +0.180% | 154 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,708 | -0.210% | 1,433 | |
3 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,717 | -0.074% | 899 | |
4 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Exceptional | $3,341 | +0.061% | 181 | |
5 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,805 | +0.289% | 1,813 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,466 | +0.265% | 1,581 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,045 | +0.159% | 863 | |
8 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,134 | +0.168% | 493 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,509 | -0.474% | 264 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,806 | +0.030% | 250 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,646 | -0.139% | 106 | |
12 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,545 | +0.539% | 1,835 | |
13 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $3,174 | +0.129% | 461 | |
14 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | $4,257 | +0.092% | 442 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,261 | +0.398% | 339 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,451 | +0.077% | 234 | |
17 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,805 | +0.225% | 166 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,155 | +0.318% | 148 | |
19 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,904 | +0.377% | 147 | |
20 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,020 | +0.307% | 132 | |
21 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,661 | +0.654% | 121 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,316 | +0.329% | 120 | |
23 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,546 | +0.383% | 118 | |
24 | LoanUnited.com, LLC | Strong | Sound | Sound | Strong | $2,454 | -0.305% | 116 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,589 | +0.266% | 106 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,643 | +0.248% | 100 | |
27 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $4,095 | -0.352% | 88 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,878 | +0.365% | 341 | |
29 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,860 | +0.121% | 319 | |
30 | Archer Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,261 | +0.131% | 159 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,398 | +0.398% | 144 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,911 | +0.303% | 126 | |
33 | DRAGAS MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $4,461 | +0.017% | 109 | |
34 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,818 | +0.457% | 58 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,996 | +0.609% | 57 | |
36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Exceptional | $3,607 | +0.350% | 1,538 | |
37 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Exceptional | $4,240 | +0.307% | 974 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,362 | +0.187% | 442 | |
39 | Towne Mortgage, LLC | Sound | Mediocre | Strong | Exceptional | $4,185 | +0.218% | 333 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,946 | +0.342% | 156 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,863 | -0.040% | 89 | |
42 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $2,646 | -0.194% | 62 | |
43 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,318 | +0.701% | 62 | |
44 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,542 | +0.170% | 55 | |
45 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | $2,294 | +0.111% | 124 | |
46 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | $2,905 | +0.264% | 72 | |
47 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $2,974 | +0.180% | 255 | |
48 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Strong | $3,950 | +0.547% | 66 | |
49 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $6,308 | +1.340% | 80 | |
50 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $4,557 | +0.403% | 52 |
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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