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 | Exceptional | Exceptional | Exceptional | Strong | $2,693 | +0.369% | 197 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,663 | +0.256% | 2,931 | |
3 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $5,624 | +0.351% | 78 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,937 | +0.449% | 604 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,280 | +0.260% | 578 | |
6 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,024 | +0.712% | 490 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,962 | +0.208% | 410 | |
8 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,735 | +0.498% | 171 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,905 | +0.225% | 142 | |
10 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,090 | +0.543% | 113 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,511 | +0.096% | 884 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,271 | +0.462% | 431 | |
13 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,311 | +0.526% | 410 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,663 | +0.220% | 1,835 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,113 | +0.345% | 284 | |
16 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,128 | +0.161% | 218 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,883 | +0.482% | 191 | |
18 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,660 | +0.414% | 134 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,161 | +0.272% | 1,598 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,097 | +0.628% | 493 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,434 | +0.674% | 390 | |
22 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,127 | +0.959% | 179 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,408 | +0.461% | 374 | |
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 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,331 | +0.364% | 172 | |
27 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,849 | +0.297% | 112 | |
28 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,491 | -0.201% | 110 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,950 | +0.465% | 69 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,037 | +0.382% | 154 | |
31 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,621 | +0.270% | 142 | |
32 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Strong | $5,137 | +0.472% | 122 | |
33 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,586 | +0.802% | 96 | |
34 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $4,664 | +0.424% | 672 | |
35 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,638 | +0.337% | 146 | |
36 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,844 | +0.428% | 122 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,747 | +0.689% | 99 | |
38 | HIGHTECHLENDING INC | Strong | Acceptable | Sound | Strong | Strong | $5,287 | +0.480% | 68 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,724 | +0.527% | 68 | |
40 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Strong | Strong | $4,613 | +0.670% | 289 | |
41 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | Strong | $5,238 | +0.605% | 174 | |
42 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,866 | +0.509% | 156 | |
43 | RMS & ASSOCIATES | Sound | Mediocre | — | Strong | Exceptional | $4,976 | +0.705% | 140 | |
44 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $5,296 | +0.432% | 128 | |
45 | PANORAMA MORTGAGE GROUP, LLC | Sound | Mediocre | Strong | Sound | Strong | $5,508 | +0.661% | 96 |
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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