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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,754 | +0.202% | 787 | |
2 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | $640 | +0.000% | 69 | |
3 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,352 | +0.194% | 505 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,462 | +0.147% | 464 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,488 | +0.215% | 455 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,309 | +0.351% | 393 | |
9 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,945 | +0.063% | 188 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,965 | -0.005% | 124 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,403 | +0.050% | 115 | |
12 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,985 | +0.225% | 74 | |
13 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,306 | +0.152% | 53 | |
14 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $1,567 | +0.197% | 45 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,085 | +0.274% | 776 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,690 | +0.339% | 356 | |
17 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Exceptional | $3,037 | +0.495% | 253 | |
18 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | $1,975 | +0.024% | 229 | |
19 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,704 | +0.133% | 118 | |
20 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,167 | +0.428% | 79 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,635 | +0.535% | 79 | |
22 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $609 | +0.261% | 71 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,426 | -0.119% | 70 | |
24 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,553 | +0.022% | 60 | |
25 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | $3,462 | +0.359% | 35 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,523 | +0.174% | 224 | |
27 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,493 | +0.453% | 107 | |
28 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | $3,045 | +0.309% | 106 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,538 | +0.298% | 104 | |
30 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $1,582 | +0.674% | 100 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$887 | -0.312% | 84 | |
32 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $4,614 | +0.436% | 185 | |
33 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,092 | +0.340% | 133 | |
34 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,580 | +0.454% | 94 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,446 | +0.468% | 86 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $812 | +0.025% | 51 | |
37 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $2,049 | +0.300% | 47 | |
38 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $1,960 | +0.387% | 39 | |
39 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $1,983 | +0.218% | 38 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $3,854 | +0.406% | 34 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,355 | +0.442% | 33 | |
42 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Strong | Sound | $3,941 | +0.261% | 33 |
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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