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 | Exceptional | $1,912 | -0.705% | 542 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $49 | +0.562% | 280 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,729 | -0.067% | 463 | |
4 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,302 | -0.727% | 121 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,150 | +0.160% | 190 | |
7 | Florida Capital Bank, National Association | Exceptional | Exceptional | Sound | Strong | Strong | $1,130 | +0.310% | 67 | |
8 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
9 | Bank of England | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,300 | +0.155% | 510 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,134 | +0.055% | 481 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $312 | -0.027% | 312 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,018 | +0.040% | 272 | |
13 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $2,127 | -0.009% | 174 | |
14 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,776 | +0.382% | 135 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,052 | +0.130% | 241 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,925 | +0.070% | 216 | |
18 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,453 | +0.354% | 193 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,614 | +0.223% | 162 | |
20 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,050 | +0.274% | 99 | |
21 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,988 | -0.422% | 97 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,331 | +0.217% | 87 | |
23 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,765 | +0.171% | 86 | |
24 | SouthState Bank, National Association | Strong | Strong | Strong | Strong | Sound | $2,662 | +0.283% | 64 | |
25 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $3,242 | +0.204% | 62 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,093 | +0.229% | 488 | |
27 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,518 | -0.012% | 251 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,243 | +0.295% | 179 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,258 | +0.461% | 172 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,577 | +0.346% | 135 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,084 | +0.275% | 101 | |
32 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Sound | $1,650 | +0.017% | 64 | |
33 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,132 | +0.477% | 53 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,118 | +0.395% | 592 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,898 | +0.485% | 309 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.421% | 229 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.249% | 209 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,947 | -0.061% | 203 | |
39 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,306 | +0.286% | 186 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,510 | +0.437% | 146 | |
41 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,138 | +0.161% | 145 | |
42 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,813 | +0.770% | 128 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,718 | +0.442% | 107 | |
44 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.192% | 94 | |
45 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,212 | +0.479% | 75 | |
46 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,428 | +0.658% | 199 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,617 | +0.408% | 108 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,879 | +0.337% | 79 | |
49 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,999 | +0.524% | 56 | |
50 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 |
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