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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $417 | +0.321% | 586 | |
2 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,951 | +0.098% | 175 | |
3 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,309 | +0.150% | 79 | |
4 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $1,769 | +0.053% | 565 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,564 | +0.346% | 467 | |
6 | INTERCOASTAL MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,700 | +0.167% | 223 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,285 | +0.449% | 122 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,974 | +0.263% | 642 | |
9 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,487 | +0.238% | 366 | |
10 | United Bank | Exceptional | Strong | Strong | Strong | Strong | $1,601 | +0.179% | 164 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,321 | +0.363% | 91 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,413 | -0.475% | 82 | |
13 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,027 | +0.561% | 77 | |
14 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,357 | +0.247% | 50 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,539 | +0.585% | 1,554 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,401 | +0.367% | 417 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,087 | +0.192% | 102 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,392 | +0.373% | 75 | |
19 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,444 | +0.064% | 49 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,559 | +0.527% | 662 | |
21 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,298 | +0.521% | 414 | |
22 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,233 | +0.236% | 309 | |
23 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970 | +0.637% | 270 | |
24 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,008 | +0.260% | 193 | |
25 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,158 | +0.723% | 175 | |
26 | Atlantic Union Bank | Strong | Sound | Strong | Strong | Strong | $1,856 | +0.590% | 148 | |
27 | Peoples Bank | Strong | Strong | Sound | Sound | Strong | $1,249 | +0.239% | 147 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,930 | +0.643% | 114 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,355 | +0.513% | 97 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,656 | +0.857% | 554 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,059 | +0.421% | 199 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,335 | +0.738% | 184 | |
33 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,915 | +0.204% | 166 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,613 | +0.441% | 101 | |
35 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,681 | +0.871% | 77 | |
36 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | Strong | $3,139 | +0.481% | 47 | |
37 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,756 | +0.402% | 43 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,012 | +0.649% | 36 | |
39 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Sound | Strong | Strong | $2,471 | +0.390% | 35 | |
40 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $3,291 | +0.797% | 91 | |
41 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,870 | +0.213% | 52 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,134 | +0.525% | 50 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,956 | +0.468% | 45 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,919 | +0.993% | 44 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,966 | +0.886% | 42 | |
46 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,891 | +1.108% | 31 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,364 | +0.729% | 227 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,395 | +0.841% | 85 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,986 | +0.665% | 49 | |
50 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $3,112 | +0.386% | 36 |
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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