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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
2 | GOOGAIN, INC. | Exceptional | Strong | Strong | Exceptional | Strong | -$754 | +0.002% | 714 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,807 | +0.135% | 41,870 | |
4 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,583 | +0.180% | 26,634 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,918 | +0.201% | 2,821 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,524 | +0.036% | 6,417 | |
8 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,670 | +0.276% | 2,049 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.324% | 1,883 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,972 | +0.349% | 978 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
14 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $1,746 | +0.439% | 1,343 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,545 | +0.254% | 1,170 | |
16 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,143 | +0.231% | 754 | |
17 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,199 | +0.335% | 3,338 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,725 | +0.420% | 2,887 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,187 | +0.393% | 2,207 | |
21 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
22 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,224 | +0.410% | 662 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,558 | +0.295% | 2,476 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Sound | Exceptional | $4,493 | +0.251% | 2,398 | |
25 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,902 | +0.361% | 2,371 | |
26 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,402 | +0.637% | 1,878 | |
27 | ALAMEDA MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $4,554 | +0.492% | 1,702 | |
28 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,916 | +0.983% | 1,347 | |
29 | FRANKLIN LOAN CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
30 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,295 | +0.151% | 598 | |
31 | OCMBC, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,771 | +0.562% | 4,583 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,461 | +0.438% | 3,541 | |
33 | Commerce Home Mortgage, Inc. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,381 | +0.445% | 1,617 | |
34 | General Mortgage Capital Corporation | Strong | Acceptable | Strong | Sound | Strong | $1,677 | +0.124% | 951 | |
35 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,495 | +0.440% | 836 | |
36 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $2,745 | +0.185% | 824 | |
37 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,267 | +0.578% | 749 | |
38 | RESICENTRAL, LLC | Strong | Sound | Sound | Acceptable | Strong | $1,357 | +0.170% | 738 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Strong | $2,938 | +0.315% | 637 | |
40 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,613 | +1.355% | 594 | |
41 | Logan Finance Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $2,003 | +0.972% | 573 | |
42 | ROYAL PACIFIC FUNDING CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,801 | +0.607% | 956 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,892 | +0.624% | 823 | |
44 | BAY-VALLEY MORTGAGE GROUP | Sound | Acceptable | Strong | Acceptable | Strong | $4,143 | +0.321% | 800 | |
45 | AAA CAPITAL INVESTMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $2,493 | +0.274% | 749 | |
46 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,467 | +0.899% | 695 | |
47 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $4,099 | +0.526% | 578 | |
48 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,128 | +0.645% | 913 | |
49 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,344 | +0.432% | 729 |
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