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 | Exceptional | Exceptional | Strong | $2,686 | -0.165% | 140 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Strong | -$6,153 | +0.239% | 264 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,089 | -0.027% | 454 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,656 | -0.086% | 382 | |
7 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,289 | +0.617% | 376 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,661 | +0.281% | 229 | |
9 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
11 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,531 | +0.408% | 546 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,977 | +0.133% | 512 | |
13 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,573 | +0.189% | 312 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,511 | +0.133% | 193 | |
15 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,918 | +0.110% | 182 | |
16 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,484 | +0.299% | 109 | |
17 | INTERCAP LENDING INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,193 | +0.303% | 96 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,844 | +0.359% | 1,086 | |
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 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,328 | +0.216% | 334 | |
23 | NEST HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | Strong | $4,314 | -0.457% | 246 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,305 | +0.034% | 226 | |
26 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,764 | +0.094% | 194 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,624 | +0.161% | 148 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
31 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,283 | +0.296% | 837 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
33 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,144 | +0.233% | 169 | |
34 | American Liberty Mortgage, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,018 | +0.266% | 116 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $572 | -0.092% | 256 | |
36 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,978 | +0.214% | 187 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.187% | 169 | |
39 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,081 | +0.333% | 98 | |
40 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $5,971 | +0.037% | 758 | |
41 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,244 | +0.118% | 464 | |
42 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,602 | +0.238% | 419 | |
43 | SELECT LENDING SERVICES LLC | Strong | Acceptable | Strong | Strong | Strong | $2,052 | +0.290% | 89 | |
44 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $5,570 | +0.704% | 185 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,071 | +0.419% | 572 | |
46 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $4,100 | +0.479% | 357 |
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