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