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 | ENT Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,475 | -0.234% | 366 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,686 | -0.165% | 140 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,153 | +0.239% | 264 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,089 | -0.027% | 454 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,351 | +0.099% | 322 | |
7 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $496 | -0.264% | 118 | |
9 | ELEVATIONS | Exceptional | Strong | Sound | Strong | Exceptional | $943 | +0.193% | 702 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $598 | -0.060% | 447 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,656 | -0.086% | 382 | |
12 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,573 | +0.189% | 312 | |
13 | First Western Trust Bank | Exceptional | Strong | Strong | Strong | Strong | $939 | +0.009% | 197 | |
14 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,764 | +0.094% | 194 | |
15 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,918 | +0.110% | 182 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
18 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
19 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $5,971 | +0.037% | 758 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,867 | -0.080% | 752 | |
21 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,040 | +0.135% | 493 | |
22 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,289 | +0.617% | 376 | |
23 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,749 | +0.367% | 316 | |
24 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,788 | +0.110% | 264 | |
25 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,314 | -0.457% | 246 | |
26 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,230 | +0.172% | 225 | |
27 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $807 | +0.087% | 162 | |
28 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,981 | +0.143% | 151 | |
30 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,624 | +0.161% | 148 | |
31 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $4,078 | +0.049% | 147 | |
32 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,159 | +0.277% | 108 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
34 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,328 | +0.216% | 334 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,511 | +0.133% | 193 | |
37 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,978 | +0.214% | 187 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,144 | +0.233% | 169 | |
39 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,193 | +0.303% | 96 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
41 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.408% | 546 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.133% | 512 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,244 | +0.118% | 464 | |
44 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,602 | +0.238% | 419 | |
45 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $666 | -0.093% | 308 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
47 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,661 | +0.281% | 229 | |
48 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
50 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $451 | +0.418% | 88 |
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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