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 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,264 | -0.119% | 174 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,857 | +0.486% | 145 | |
5 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,969 | +0.205% | 83 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $3,136 | +0.551% | 65 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,447 | +0.360% | 584 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,635 | +0.470% | 362 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,041 | +0.310% | 357 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,980 | +0.283% | 345 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,813 | +0.512% | 264 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,184 | +0.168% | 187 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,337 | +0.073% | 40 | |
14 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,151 | +0.830% | 31 | |
15 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Strong | Strong | Exceptional | $3,823 | +0.702% | 176 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,636 | +0.195% | 168 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,424 | +0.495% | 148 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,506 | +0.445% | 112 | |
19 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,752 | +0.235% | 93 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,265 | +0.319% | 73 | |
21 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,713 | +0.199% | 70 | |
22 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.286% | 68 | |
23 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,255 | +0.681% | 53 | |
24 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,679 | +0.530% | 50 | |
25 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,575 | +0.399% | 49 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,000 | +0.544% | 251 | |
27 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,712 | +0.002% | 244 | |
28 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,062 | +0.591% | 164 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,235 | +0.719% | 108 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,768 | +0.333% | 93 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,453 | +0.539% | 54 | |
32 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,235 | +0.201% | 49 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,412 | +0.341% | 47 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,401 | +0.188% | 44 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,946 | +0.207% | 35 | |
36 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $2,939 | +0.339% | 35 | |
37 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,234 | +0.348% | 34 | |
38 | Hamilton Mortgage Corporation | Strong | Acceptable | Sound | Sound | Exceptional | $1,950 | +0.376% | 152 | |
39 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,576 | +0.080% | 124 | |
40 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,325 | +0.159% | 86 | |
41 | THE MORTGAGE FIRM, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,393 | +0.195% | 51 | |
42 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,866 | +0.988% | 49 | |
43 | ACOPIA, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,932 | +0.842% | 31 | |
44 | TJC Mortgage, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,807 | +0.438% | 110 | |
45 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $2,852 | +0.738% | 71 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,491 | +0.174% | 46 | |
47 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Acceptable | Strong | $2,539 | +0.487% | 42 | |
48 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,690 | +1.311% | 37 | |
49 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,780 | +0.833% | 44 |
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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