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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,732 | +0.065% | 6,943 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,973 | +0.327% | 4,582 | |
4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,727 | -0.062% | 1,526 | |
5 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
6 | TEXAS MORTGAGE LENDING, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,086 | +0.150% | 265 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,721 | +0.006% | 628 | |
8 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,250 | +0.306% | 283 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.379% | 1,139 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,916 | +0.440% | 368 | |
12 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,908 | +0.268% | 237 | |
13 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $4,393 | +0.388% | 910 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,364 | +0.163% | 669 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
16 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
17 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
18 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,623 | +0.356% | 193 | |
19 | SFMC, LP | Strong | Acceptable | Strong | Sound | Exceptional | $4,450 | +0.340% | 1,257 | |
20 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,270 | +0.236% | 1,138 | |
21 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,695 | +0.445% | 1,083 | |
22 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Strong | Sound | Exceptional | $4,872 | +0.320% | 837 | |
23 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,612 | +0.542% | 386 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,164 | +0.350% | 288 | |
25 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,714 | +0.203% | 180 | |
26 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,376 | +0.453% | 1,549 | |
27 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Sound | Strong | $4,964 | +0.571% | 173 |
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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