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 | JET HOMELOANS, LP | Exceptional | Strong | Strong | Exceptional | $1,912 | -0.705% | 542 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | $49 | +0.562% | 280 | |
3 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $1,302 | -0.727% | 121 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $795 | -0.106% | 67 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $3,134 | +0.055% | 481 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,729 | -0.067% | 463 | |
8 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $935 | -0.093% | 53 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,093 | +0.229% | 488 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,018 | +0.040% | 272 | |
12 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,925 | +0.070% | 216 | |
13 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | $2,369 | +0.239% | 113 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,918 | +0.192% | 94 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,118 | +0.395% | 592 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,898 | +0.485% | 309 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,183 | +0.421% | 229 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $1,993 | +0.249% | 209 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,243 | +0.295% | 179 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,258 | +0.461% | 172 | |
21 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $1,776 | +0.382% | 135 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,084 | +0.275% | 101 | |
23 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,765 | +0.171% | 86 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,273 | +0.446% | 415 | |
25 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,453 | +0.354% | 193 | |
26 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,150 | +0.160% | 190 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,510 | +0.437% | 146 | |
28 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Strong | $2,138 | +0.161% | 145 | |
29 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,813 | +0.770% | 128 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,548 | +0.180% | 125 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,718 | +0.442% | 107 | |
32 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,050 | +0.274% | 99 | |
33 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,988 | -0.422% | 97 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $3,331 | +0.217% | 87 | |
35 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,428 | +0.658% | 199 | |
36 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,577 | +0.346% | 135 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,903 | +0.548% | 130 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,617 | +0.408% | 108 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,879 | +0.337% | 79 | |
40 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $3,242 | +0.204% | 62 | |
41 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Sound | Acceptable | Strong | Sound | $1,999 | +0.524% | 56 | |
42 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $4,132 | +0.477% | 53 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $3,207 | +0.545% | 115 | |
44 | WATSON MORTGAGE CORP. | Sound | Acceptable | Acceptable | Strong | $2,798 | +0.213% | 63 | |
45 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $5,707 | +1.188% | 74 |
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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