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