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