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 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,686 | -0.165% | 140 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,153 | +0.239% | 264 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,089 | -0.027% | 454 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,656 | -0.086% | 382 | |
7 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,573 | +0.189% | 312 | |
8 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,764 | +0.094% | 194 | |
9 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,918 | +0.110% | 182 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
12 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
13 | AMERICAN FINANCING CORPORATION | Strong | Sound | Exceptional | Sound | Exceptional | $5,971 | +0.037% | 758 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,867 | -0.080% | 752 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,040 | +0.135% | 493 | |
16 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,289 | +0.617% | 376 | |
17 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,749 | +0.367% | 316 | |
18 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,314 | -0.457% | 246 | |
19 | M2 LENDING SOLUTIONS, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,230 | +0.172% | 225 | |
20 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $807 | +0.087% | 162 | |
21 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
22 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,624 | +0.161% | 148 | |
23 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,159 | +0.277% | 108 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,328 | +0.216% | 334 | |
27 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,511 | +0.133% | 193 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,978 | +0.214% | 187 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,144 | +0.233% | 169 | |
30 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,193 | +0.303% | 96 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.408% | 546 | |
33 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.133% | 512 | |
34 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,244 | +0.118% | 464 | |
35 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,602 | +0.238% | 419 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,661 | +0.281% | 229 | |
38 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
40 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Sound | Strong | $2,018 | +0.266% | 116 | |
41 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $3,484 | +0.299% | 109 | |
42 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $451 | +0.418% | 88 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $572 | -0.092% | 256 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,305 | +0.034% | 226 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,570 | +0.704% | 185 | |
47 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,081 | +0.333% | 98 | |
48 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,100 | +0.479% | 357 | |
49 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,506 | +0.330% | 174 | |
50 | THE MORTGAGE COMPANY | Strong | Acceptable | Sound | Strong | 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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