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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,372 | +0.164% | 537 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,630 | +0.309% | 506 | |
3 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,891 | +0.096% | 170 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,244 | +0.364% | 96 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,585 | -0.097% | 308 | |
7 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,361 | +0.393% | 209 | |
8 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,594 | +0.342% | 80 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
10 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,273 | +0.392% | 1,197 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,032 | +0.367% | 591 | |
12 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Exceptional | $3,832 | +0.175% | 334 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,284 | +0.114% | 261 | |
14 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,261 | +0.280% | 114 | |
15 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,293 | +0.413% | 104 | |
16 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Sound | Acceptable | Strong | $1,544 | -0.751% | 92 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,477 | +0.318% | 349 | |
18 | Cazle Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,735 | +0.577% | 198 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,933 | +0.150% | 162 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217 | +0.597% | 136 | |
21 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,408 | +0.133% | 124 | |
22 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,474 | +0.322% | 120 | |
23 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.476% | 86 | |
24 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,875 | +0.376% | 1,754 | |
25 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,819 | +0.391% | 566 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.266% | 468 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.251% | 321 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,217 | +0.219% | 263 | |
29 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,406 | +0.290% | 253 | |
30 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,144 | +0.089% | 237 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.307% | 209 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,219 | +0.102% | 202 | |
33 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,578 | +0.334% | 185 | |
34 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,627 | +0.637% | 171 | |
35 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.253% | 168 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,351 | +0.528% | 121 | |
37 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,157 | +0.854% | 113 | |
38 | Vellum Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | Strong | $3,300 | +0.235% | 102 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,612 | +0.097% | 93 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,619 | +0.700% | 90 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,662 | +0.425% | 1,038 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,675 | +0.456% | 409 | |
43 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,177 | +0.114% | 374 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,825 | +0.161% | 128 | |
45 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $3,161 | +0.262% | 113 | |
46 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,040 | +0.244% | 100 | |
47 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,284 | +0.377% | 85 | |
48 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,633 | +0.212% | 71 | |
49 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,038 | +0.449% | 66 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,704 | +0.417% | 435 |
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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