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