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 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,153 | +0.239% | 264 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,076 | -0.105% | 287 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
4 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,686 | -0.165% | 140 | |
5 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Exceptional | $2,230 | +0.172% | 225 | |
6 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,764 | +0.094% | 194 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,203 | +0.315% | 1,279 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
10 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,867 | -0.080% | 752 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,092 | +0.064% | 547 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,089 | -0.027% | 454 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,656 | -0.086% | 382 | |
15 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,289 | +0.617% | 376 | |
16 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Strong | $4,314 | -0.457% | 246 | |
17 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,324 | +0.117% | 185 | |
18 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $2,159 | +0.277% | 108 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
20 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $2,804 | +0.227% | 624 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,531 | +0.408% | 546 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,977 | +0.133% | 512 | |
23 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,749 | +0.367% | 316 | |
24 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,573 | +0.189% | 312 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,305 | +0.034% | 226 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,511 | +0.133% | 193 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $1,978 | +0.214% | 187 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,144 | +0.233% | 169 | |
29 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $807 | +0.087% | 162 | |
30 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,624 | +0.161% | 148 | |
31 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $1,457 | +0.150% | 143 | |
32 | American Liberty Mortgage, Incorporated | Strong | Sound | Sound | Strong | $2,018 | +0.266% | 116 | |
33 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | $2,193 | +0.303% | 96 | |
34 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Sound | Exceptional | $5,971 | +0.037% | 758 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,040 | +0.135% | 493 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,244 | +0.118% | 464 | |
37 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $3,602 | +0.238% | 419 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $572 | -0.092% | 256 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,117 | +0.344% | 235 | |
40 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,661 | +0.281% | 229 | |
41 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $1,918 | +0.110% | 182 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,285 | +0.187% | 169 | |
43 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,127 | +0.219% | 158 | |
44 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,687 | +0.319% | 136 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,120 | +0.047% | 121 | |
46 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $451 | +0.418% | 88 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,071 | +0.419% | 572 | |
48 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,328 | +0.216% | 334 | |
49 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $3,484 | +0.299% | 109 | |
50 | THE MORTGAGE COMPANY | Sound | Acceptable | Sound | Strong | $3,774 | +0.222% | 104 |
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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