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 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,922 | +0.366% | 1,322 | |
2 | COMMUNITY MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,629 | +0.105% | 581 | |
3 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,190 | +0.364% | 121 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,294 | -0.038% | 92 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.345% | 1,933 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,363 | +0.316% | 1,417 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,467 | +0.352% | 248 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,472 | +0.369% | 199 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,487 | +0.121% | 166 | |
10 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,393 | +0.209% | 152 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,094 | +0.340% | 1,933 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,248 | +0.222% | 1,007 | |
13 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,896 | +0.335% | 694 | |
14 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,976 | +0.530% | 622 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,728 | -0.014% | 270 | |
16 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $1,016 | +0.298% | 76 | |
17 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,717 | +0.283% | 61 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,226 | +0.415% | 579 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,663 | +0.375% | 437 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,434 | +0.249% | 292 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,032 | +0.387% | 237 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,239 | +0.430% | 162 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,598 | +0.675% | 156 | |
24 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,944 | +0.292% | 153 | |
25 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $2,955 | -0.332% | 90 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,179 | +0.379% | 195 | |
27 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,955 | +0.696% | 165 | |
28 | Midwest Mortgage Associates Corporation | Strong | Sound | Sound | Sound | Strong | $1,608 | +0.368% | 102 | |
29 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,326 | +0.674% | 75 | |
30 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,119 | +0.382% | 74 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,417 | +0.531% | 65 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,766 | +0.321% | 525 | |
33 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,761 | +0.526% | 349 | |
34 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,407 | +0.383% | 233 | |
35 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Strong | Sound | Strong | $1,826 | +0.261% | 222 | |
36 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,839 | +0.715% | 144 | |
37 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,034 | +0.790% | 136 | |
38 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $2,869 | +0.803% | 93 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,530 | +0.421% | 90 | |
40 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,545 | +0.546% | 76 | |
41 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $4,021 | +0.579% | 66 | |
42 | JLB CORPORATION | Sound | Acceptable | Sound | Sound | Strong | $4,650 | +0.265% | 145 | |
43 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $2,741 | +0.508% | 89 | |
44 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,899 | +0.181% | 71 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,075 | +0.675% | 67 | |
46 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,853 | +0.523% | 62 | |
47 | LENDLO MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,427 | +0.586% | 60 | |
48 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $5,844 | +1.769% | 237 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,856 | +0.399% | 76 | |
50 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,834 | +0.424% | 70 |
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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