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 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Exceptional | $2,369 | -0.491% | 672 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,275 | -0.098% | 494 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,147 | +0.152% | 282 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,904 | +0.179% | 932 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,715 | +0.009% | 888 | |
9 | Capital City Home Loans, LLC | Strong | Sound | Strong | Exceptional | $2,300 | +0.228% | 347 | |
10 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Exceptional | $1,903 | +0.160% | 323 | |
11 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $3,554 | +0.341% | 230 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,690 | +0.395% | 1,660 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,060 | +0.233% | 985 | |
15 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,689 | +0.348% | 823 | |
17 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,687 | +0.274% | 626 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,210 | +0.798% | 469 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,289 | +0.142% | 171 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,934 | +0.461% | 827 | |
22 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Exceptional | $2,881 | +0.306% | 582 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,915 | +0.575% | 338 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,955 | +0.233% | 320 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,519 | +0.594% | 304 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,788 | +0.200% | 277 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,703 | +0.014% | 253 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,842 | +0.387% | 183 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,061 | +0.526% | 167 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,759 | +0.286% | 147 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,431 | +0.463% | 1,398 | |
32 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,347 | +0.833% | 1,199 | |
33 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,125 | +0.241% | 580 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,006 | +0.495% | 518 | |
35 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,634 | +0.345% | 471 | |
36 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Sound | Exceptional | $4,962 | +0.053% | 458 | |
37 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,544 | +0.465% | 435 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,541 | +0.456% | 346 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,090 | +0.963% | 338 | |
40 | Onward Home Mortgage, LLC | Strong | Acceptable | Sound | Exceptional | $3,617 | +0.275% | 324 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,348 | +0.552% | 317 | |
42 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,605 | +0.217% | 274 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,646 | +0.442% | 243 | |
44 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,151 | +0.374% | 231 | |
45 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,391 | +0.743% | 192 | |
46 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,375 | +0.863% | 138 | |
47 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Exceptional | $4,853 | +0.873% | 766 | |
48 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,282 | +0.344% | 436 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,737 | +0.250% | 291 | |
50 | SHELTER HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Strong | $2,849 | +0.420% | 165 |
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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