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