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 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | Sound | $1,179 | +0.083% | 14 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,254 | +0.236% | 170 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,560 | +0.357% | 89 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,471 | +0.356% | 42 | |
5 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,869 | +0.353% | 23 | |
6 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,709 | +0.373% | 17 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.531% | 113 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,139 | +0.512% | 80 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,137 | +0.302% | 71 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,009 | +0.281% | 56 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,975 | -0.138% | 18 | |
12 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,679 | +0.445% | 15 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,796 | +0.378% | 53 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,644 | +0.391% | 36 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,136 | +0.234% | 28 | |
16 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $2,493 | +0.301% | 26 | |
17 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $2,941 | +0.084% | 20 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,151 | +0.165% | 19 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,636 | +0.443% | 13 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $634 | +0.333% | 13 | |
21 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,849 | +0.494% | 12 | |
22 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $1,992 | +0.306% | 36 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,049 | +0.353% | 33 | |
24 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,597 | -0.146% | 26 | |
25 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,178 | +0.128% | 21 | |
26 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,644 | +0.324% | 13 | |
27 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,663 | +0.407% | 11 | |
28 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,418 | +0.531% | 10 | |
29 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,580 | +1.206% | 20 |
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.
Get personalized recommendations based on your specific needs