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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $878 | -0.147% | 320 | |
2 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
3 | CAPITAL CENTER, L.L.C. | Exceptional | Strong | Strong | Strong | Exceptional | $679 | +0.109% | 987 | |
4 | Atlantic Coast Mortgage, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,984 | +0.143% | 2,726 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
8 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
9 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
10 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,021 | +0.033% | 1,467 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,989 | -0.271% | 1,090 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,038 | +0.165% | 445 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
14 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,114 | +0.284% | 295 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $1,846 | -0.016% | 2,170 | |
17 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,893 | +0.284% | 1,469 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
22 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,123 | +0.258% | 333 | |
23 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,161 | +0.355% | 1,292 | |
24 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,278 | +0.331% | 1,122 | |
25 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
26 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,083 | +0.200% | 885 | |
27 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,728 | +0.480% | 749 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,007 | +0.506% | 666 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.347% | 643 | |
32 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,351 | +0.175% | 584 | |
33 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,209 | +0.346% | 524 | |
35 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,376 | +0.295% | 288 | |
38 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,741 | +0.405% | 288 | |
39 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,947 | -0.390% | 252 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,153 | +0.561% | 3,201 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,695 | +0.375% | 1,740 | |
42 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,691 | +0.437% | 1,384 | |
43 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,239 | +0.158% | 671 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,962 | +0.421% | 567 | |
45 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,370 | +0.338% | 458 | |
46 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,924 | +0.473% | 350 | |
47 | Towne First Mortgage, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $2,349 | +0.348% | 341 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,436 | +0.028% | 293 | |
49 | Advance Financial Group, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $4,350 | +0.082% | 432 | |
50 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,061 | +0.514% | 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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