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