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 | Exceptional | $679 | +0.109% | 987 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $878 | -0.147% | 320 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
4 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
5 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,021 | +0.033% | 1,467 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,512 | -0.105% | 996 | |
10 | F & M BANK CORP. | Strong | Sound | Strong | Exceptional | $2,114 | +0.284% | 295 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
12 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,905 | +0.226% | 3,473 | |
14 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
15 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,283 | +0.061% | 1,677 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
19 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,278 | +0.331% | 1,122 | |
20 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $3,728 | +0.480% | 749 | |
21 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,267 | +0.030% | 374 | |
22 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | $3,123 | +0.258% | 333 | |
23 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | $3,265 | +0.040% | 258 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,153 | +0.561% | 3,201 | |
25 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
27 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,083 | +0.200% | 885 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,885 | +0.333% | 712 | |
29 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $3,239 | +0.158% | 671 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,007 | +0.506% | 666 | |
31 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $3,351 | +0.175% | 584 | |
32 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,209 | +0.346% | 524 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,038 | +0.165% | 445 | |
34 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | $4,350 | +0.082% | 432 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $2,621 | +0.502% | 355 | |
36 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,924 | +0.473% | 350 | |
37 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,349 | +0.348% | 341 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,376 | +0.295% | 288 | |
39 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,741 | +0.405% | 288 | |
40 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,947 | -0.390% | 252 | |
41 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
42 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,761 | +0.342% | 667 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,515 | +0.347% | 643 | |
44 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,499 | +0.369% | 579 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $1,672 | +0.218% | 298 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,436 | +0.028% | 293 | |
47 | JAMS-01, INC. | Strong | Acceptable | Strong | Strong | $3,456 | +0.030% | 278 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Exceptional | $3,695 | +0.375% | 1,740 | |
49 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,962 | +0.421% | 567 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,863 | +0.146% | 299 |
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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