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 | $2,024 | +0.354% | 5,815 | |
2 | PROPER RATE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,665 | +0.261% | 1,200 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | +0.444% | 5,055 | |
4 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,536 | +0.424% | 3,770 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,845 | +0.666% | 2,013 | |
6 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $918 | +0.297% | 493 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,237 | +0.442% | 225 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.649% | 2,058 | |
11 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,082 | +0.494% | 632 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
13 | COMPASS MORTGAGE, INC. | Strong | Acceptable | — | Exceptional | Exceptional | $2,732 | +0.579% | 537 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
15 | KEY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $1,839 | +0.570% | 819 | |
17 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,800 | +0.558% | 698 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,479 | +0.565% | 675 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,172 | +0.689% | 1,346 | |
20 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $1,264 | +0.341% | 276 | |
21 | SUMMIT FUNDING, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,261 | +0.657% | 162 |
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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