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