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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,621 | -0.053% | 5,540 | |
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 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,989 | -0.271% | 1,090 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,512 | -0.105% | 996 | |
6 | CAPITAL CENTER, L.L.C. | Exceptional | Exceptional | Strong | Sound | Exceptional | $679 | +0.109% | 987 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,905 | +0.226% | 3,473 | |
8 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,628 | +0.111% | 2,537 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,283 | +0.061% | 1,677 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,499 | +0.369% | 579 | |
11 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,672 | +0.218% | 298 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,436 | +0.028% | 293 | |
13 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,021 | +0.033% | 1,467 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,615 | +0.067% | 1,197 | |
15 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,545 | +0.236% | 1,108 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,376 | +0.295% | 288 | |
17 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,741 | +0.405% | 288 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,013 | +0.255% | 8,280 | |
19 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,457 | +0.328% | 3,596 | |
20 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,984 | +0.143% | 2,726 | |
21 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,085 | +0.485% | 2,183 | |
22 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,695 | +0.375% | 1,740 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,893 | +0.284% | 1,469 | |
24 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.437% | 1,384 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,038 | +0.165% | 445 | |
26 | HOMESPIRE MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $3,924 | +0.473% | 350 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,153 | +0.561% | 3,201 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,182 | +0.264% | 1,207 | |
29 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,083 | +0.200% | 885 | |
30 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,728 | +0.480% | 749 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,209 | +0.346% | 524 | |
32 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,370 | +0.338% | 458 | |
33 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,350 | +0.082% | 432 | |
34 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,123 | +0.258% | 333 | |
35 | F & M BANK CORP. | Strong | Sound | — | Strong | Exceptional | $2,114 | +0.284% | 295 | |
36 | Tidewater Home Funding, LLC | Strong | Sound | Strong | Strong | Strong | $3,265 | +0.040% | 258 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.333% | 712 | |
38 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,239 | +0.158% | 671 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,761 | +0.342% | 667 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,007 | +0.506% | 666 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,515 | +0.347% | 643 | |
42 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,351 | +0.175% | 584 | |
43 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,267 | +0.030% | 374 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $2,621 | +0.502% | 355 | |
45 | Towne First Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,349 | +0.348% | 341 | |
46 | JAMS-01, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,456 | +0.030% | 278 | |
47 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,947 | -0.390% | 252 | |
48 | CALCON MUTUAL MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Strong | $3,148 | +0.178% | 390 | |
49 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,892 | +0.229% | 355 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | 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.
Get personalized recommendations based on your specific needs