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 | Strong | $2,826 | +0.141% | 442 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,942 | +0.220% | 8,636 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,083 | +0.390% | 5,725 | |
4 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,699 | +0.236% | 1,051 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,402 | +0.027% | 704 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,691 | +0.423% | 1,189 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
10 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,709 | +0.060% | 423 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Strong | $3,186 | +0.453% | 382 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
13 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,841 | +0.606% | 915 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Acceptable | Strong | Sound | Exceptional | $830 | -0.371% | 1,489 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $3,307 | +0.425% | 498 | |
18 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,052 | +0.945% | 238 | |
19 | CORNERSTONE MORTGAGE PROVIDERS, LLC | Sound | Acceptable | — | Sound | Strong | $3,094 | +0.517% | 211 | |
20 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,078 | +0.357% | 460 | |
21 | HOMETRUST MORTGAGE COMPANY | Sound | Acceptable | Sound | Acceptable | Strong | $3,586 | +0.413% | 231 | |
22 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Sound | Mediocre | Exceptional | $4,129 | +0.496% | 1,436 |
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