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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,564 | +0.346% | 467 | |
2 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,700 | +0.167% | 223 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,974 | +0.263% | 642 | |
4 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,951 | +0.098% | 175 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,539 | +0.585% | 1,554 | |
6 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,559 | +0.527% | 662 | |
7 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $2,401 | +0.367% | 417 | |
8 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Exceptional | $4,298 | +0.521% | 414 | |
9 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,233 | +0.236% | 309 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,335 | +0.738% | 184 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,285 | +0.449% | 122 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $3,413 | -0.475% | 82 | |
13 | MILLENNIUM FINANCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,471 | +0.390% | 35 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,656 | +0.857% | 554 | |
15 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,008 | +0.260% | 193 | |
16 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,158 | +0.723% | 175 | |
17 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $1,915 | +0.204% | 166 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,930 | +0.643% | 114 | |
19 | C & F Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | $3,139 | +0.481% | 47 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,364 | +0.729% | 227 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $4,613 | +0.441% | 101 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,395 | +0.841% | 85 | |
23 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,681 | +0.871% | 77 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $4,134 | +0.525% | 50 | |
25 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,444 | +0.064% | 49 | |
26 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $2,756 | +0.402% | 43 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,012 | +0.649% | 36 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,771 | +1.157% | 129 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,355 | +0.513% | 97 | |
30 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $2,870 | +0.213% | 52 | |
31 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $3,357 | +0.247% | 50 | |
32 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,956 | +0.468% | 45 | |
33 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,919 | +0.993% | 44 | |
34 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $1,966 | +0.886% | 42 | |
35 | TIDEWATER MORTGAGE SERVICES, INC. | Sound | Acceptable | Strong | Sound | $3,112 | +0.386% | 36 | |
36 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Strong | Sound | $1,891 | +1.108% | 31 | |
37 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,313 | +1.392% | 82 | |
38 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $3,265 | +1.029% | 69 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,986 | +0.665% | 49 | |
40 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,629 | +0.501% | 36 | |
41 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | $4,799 | +0.451% | 37 | |
42 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Sound | $2,422 | +0.622% | 36 | |
43 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,291 | +0.797% | 91 | |
44 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Sound | $2,600 | +0.636% | 31 |
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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