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 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,369 | -0.491% | 672 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,904 | +0.179% | 932 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,147 | +0.152% | 282 | |
4 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
6 | BANKSOUTH MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,293 | +0.140% | 893 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,715 | +0.009% | 888 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837 | +0.127% | 669 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
10 | MORTGAGE ASSURANCE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,903 | +0.160% | 323 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690 | +0.395% | 1,660 | |
14 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,210 | +0.798% | 469 | |
15 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $4,962 | +0.053% | 458 | |
16 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
17 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
18 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,605 | +0.217% | 274 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689 | +0.348% | 823 | |
21 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,881 | +0.306% | 582 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,282 | +0.344% | 436 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,915 | +0.575% | 338 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,519 | +0.594% | 304 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.387% | 183 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,759 | +0.286% | 147 | |
28 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,347 | +0.833% | 1,199 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,934 | +0.461% | 827 | |
30 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
31 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,634 | +0.345% | 471 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
33 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,841 | +0.354% | 353 | |
34 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,090 | +0.963% | 338 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,703 | +0.014% | 253 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,646 | +0.442% | 243 | |
38 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
40 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,289 | +0.142% | 171 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,061 | +0.526% | 167 | |
42 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,375 | +0.863% | 138 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,873 | +0.746% | 348 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,737 | +0.250% | 291 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,788 | +0.200% | 277 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $5,165 | +0.535% | 168 | |
48 | First Option Mortgage, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,853 | +0.873% | 766 | |
49 | SOUTHEAST MORTGAGE OF GEORGIA, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,963 | +0.548% | 738 | |
50 | Onward Home Mortgage, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $3,617 | +0.275% | 324 |
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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