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 | Truist Bank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,487 | +0.238% | 366 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,564 | +0.346% | 467 | |
3 | HOMESPIRE MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,233 | +0.236% | 309 | |
4 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,355 | +0.513% | 97 | |
5 | Alcova Mortgage LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,158 | +0.723% | 175 | |
6 | The Huntington National Bank | Strong | Sound | Exceptional | Sound | Exceptional | $417 | +0.321% | 586 | |
7 | C & F Mortgage Corporation | Strong | Sound | Strong | Exceptional | Strong | $3,139 | +0.481% | 47 | |
8 | WesBanco Bank, Inc. | Strong | Sound | Strong | Sound | Exceptional | $1,769 | +0.053% | 565 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,401 | +0.367% | 417 | |
10 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,970 | +0.637% | 270 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,392 | +0.373% | 75 | |
12 | LOANDEPOT.COM, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,974 | +0.263% | 642 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,335 | +0.738% | 184 | |
14 | Atlantic Union Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,856 | +0.590% | 148 | |
15 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,613 | +0.441% | 101 | |
16 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,681 | +0.871% | 77 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,559 | +0.527% | 662 | |
18 | Integrity Home Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,298 | +0.521% | 414 | |
19 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,756 | +0.402% | 43 | |
20 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,966 | +0.886% | 42 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,364 | +0.729% | 227 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,771 | +1.157% | 129 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $2,930 | +0.643% | 114 | |
24 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,265 | +1.029% | 69 | |
25 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,870 | +0.213% | 52 | |
26 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $3,112 | +0.386% | 36 | |
27 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $2,422 | +0.622% | 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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