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 MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,846 | -0.016% | 2,170 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,190 | +0.205% | 1,856 | |
4 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $679 | +0.109% | 987 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
6 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $3,021 | +0.033% | 1,467 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,989 | -0.271% | 1,090 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
9 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,741 | +0.405% | 288 | |
10 | Tidewater Home Funding, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,265 | +0.040% | 258 | |
11 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,947 | -0.390% | 252 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
13 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
14 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
15 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,545 | +0.236% | 1,108 | |
19 | Towne First Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,349 | +0.348% | 341 | |
20 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
21 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,114 | +0.284% | 295 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,905 | +0.226% | 3,473 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,283 | +0.061% | 1,677 | |
24 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,278 | +0.331% | 1,122 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
26 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
27 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,239 | +0.158% | 671 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,007 | +0.506% | 666 | |
29 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 | |
30 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,892 | +0.229% | 355 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,376 | +0.295% | 288 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,153 | +0.561% | 3,201 | |
33 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,083 | +0.200% | 885 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
36 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,351 | +0.175% | 584 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
38 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,350 | +0.082% | 432 | |
39 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
40 | Towne Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,268 | +0.207% | 363 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
42 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,924 | +0.473% | 350 | |
43 | Vellum Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Strong | $3,123 | +0.258% | 333 | |
44 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,436 | +0.028% | 293 | |
45 | JAMS-01, INC. | Strong | Sound | Sound | Strong | Strong | $3,456 | +0.030% | 278 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,695 | +0.375% | 1,740 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,038 | +0.165% | 445 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,863 | +0.146% | 299 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $3,712 | +0.515% | 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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