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 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,693 | +0.369% | 197 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,663 | +0.256% | 2,931 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,280 | +0.260% | 578 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,962 | +0.208% | 410 | |
5 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,905 | +0.225% | 142 | |
6 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511 | +0.096% | 884 | |
7 | INSPIRE HOME LOANS INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,024 | +0.712% | 490 | |
8 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,491 | -0.201% | 110 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663 | +0.220% | 1,835 | |
10 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,113 | +0.345% | 284 | |
11 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,735 | +0.498% | 171 | |
12 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,638 | +0.337% | 146 | |
13 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $5,137 | +0.472% | 122 | |
14 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $5,624 | +0.351% | 78 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.272% | 1,598 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,937 | +0.449% | 604 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434 | +0.674% | 390 | |
18 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,828 | +0.984% | 185 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,621 | +0.270% | 142 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,660 | +0.414% | 134 | |
21 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,950 | +0.465% | 69 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,271 | +0.462% | 431 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,311 | +0.526% | 410 | |
24 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,980 | +0.415% | 326 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,631 | +0.519% | 236 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.482% | 191 | |
27 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,127 | +0.959% | 179 | |
28 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,037 | +0.382% | 154 | |
29 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,844 | +0.428% | 122 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,090 | +0.543% | 113 | |
31 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,849 | +0.297% | 112 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,097 | +0.628% | 493 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,128 | +0.161% | 218 | |
34 | RMS & ASSOCIATES | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,976 | +0.705% | 140 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,747 | +0.689% | 99 | |
36 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,586 | +0.802% | 96 | |
37 | DATA MORTGAGE, INC. | Strong | Sound | Sound | Sound | Strong | $4,094 | +0.602% | 81 | |
38 | HIGHTECHLENDING INC | Strong | Acceptable | Strong | Strong | Strong | $5,287 | +0.480% | 68 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,664 | +0.424% | 672 | |
40 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $4,613 | +0.670% | 289 | |
41 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $5,238 | +0.605% | 174 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,331 | +0.364% | 172 | |
43 | AXIA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $5,296 | +0.432% | 128 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,724 | +0.527% | 68 | |
45 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,866 | +0.509% | 156 | |
46 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Strong | Strong | Strong | $5,508 | +0.661% | 96 | |
47 | ML Mortgage Corp. | Sound | Mediocre | Strong | Strong | Strong | $5,134 | +0.754% | 87 | |
48 | BAY-VALLEY MORTGAGE GROUP | Sound | Mediocre | Strong | Strong | Strong | $5,511 | +0.502% | 74 | |
49 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $8,363 | +1.900% | 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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