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 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
2 | FREEDOM FIRST Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,652 | +0.204% | 311 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
5 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $679 | +0.109% | 987 | |
6 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,253 | +0.016% | 486 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
8 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $3,021 | +0.033% | 1,467 | |
9 | United Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,070 | +0.054% | 1,181 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,989 | -0.271% | 1,090 | |
11 | Virginia Credit Union, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $865 | +0.206% | 959 | |
12 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,887 | +0.177% | 872 | |
13 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $573 | -0.090% | 460 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $338 | -0.284% | 247 | |
15 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $600 | +0.033% | 1,973 | |
16 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
17 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,795 | +0.068% | 756 | |
18 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | -$175 | -0.005% | 546 | |
19 | Fulton Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,780 | +0.302% | 509 | |
20 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,741 | +0.405% | 288 | |
21 | Tidewater Home Funding, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,265 | +0.040% | 258 | |
22 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,947 | -0.390% | 252 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
25 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
26 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
30 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Exceptional | $2,168 | +0.239% | 641 | |
31 | Towne First Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,349 | +0.348% | 341 | |
32 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $2,782 | -0.157% | 306 | |
33 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
34 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,114 | +0.284% | 295 | |
35 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,047 | +0.228% | 255 | |
36 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,175 | -0.074% | 248 | |
37 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,194 | +0.274% | 233 | |
38 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $567 | +0.032% | 227 | |
39 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
40 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
41 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,242 | +0.051% | 1,157 | |
42 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,278 | +0.331% | 1,122 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
44 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
45 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,239 | +0.158% | 671 | |
46 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,007 | +0.506% | 666 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 | |
48 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,892 | +0.229% | 355 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,376 | +0.295% | 288 | |
50 | Blue Ridge Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,643 | +0.342% | 226 |
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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