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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761 | +0.190% | 6,340 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,734 | +0.222% | 5,129 | |
4 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,583 | +0.124% | 546 | |
6 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,465 | +0.287% | 466 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,463 | +0.340% | 426 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,956 | +0.086% | 666 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $2,035 | +0.411% | 338 | |
10 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,039 | +0.300% | 215 | |
11 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,743 | +0.330% | 175 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,410 | +0.473% | 614 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,234 | +0.323% | 318 | |
15 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,205 | +0.238% | 292 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
17 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,233 | +0.336% | 145 | |
18 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,720 | +0.542% | 777 | |
19 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,961 | +0.967% | 685 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,942 | +0.439% | 670 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,720 | +0.423% | 556 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,546 | +0.347% | 355 | |
23 | Logan Finance Corporation | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,134 | +1.023% | 334 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,651 | +0.272% | 288 | |
25 | OCMBC, INC. | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,722 | +0.549% | 1,671 | |
26 | AAA CAPITAL INVESTMENT, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $2,464 | +0.233% | 348 | |
27 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,042 | +0.406% | 217 | |
28 | FIRST STANDARD FINANCIAL CORP. | Strong | Mediocre | Strong | Exceptional | Strong | $4,174 | +0.385% | 216 | |
29 | Hometown Equity Mortgage, LLC | Strong | Acceptable | Strong | Sound | Strong | $4,026 | +0.621% | 211 | |
30 | CLEAREDGE LENDING LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,255 | +0.990% | 169 | |
31 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $7,517 | +1.296% | 145 | |
32 | ONY GLO, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,601 | +0.151% | 136 | |
33 | HOMEXPRESS MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $4,372 | +1.243% | 120 | |
34 | ROYAL PACIFIC FUNDING CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,708 | +0.564% | 401 | |
35 | CAKE MORTGAGE CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $3,715 | +1.140% | 277 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,103 | +0.517% | 238 | |
37 | Commerce Home Mortgage, Inc. | Sound | Mediocre | Exceptional | Sound | Strong | $4,343 | +0.722% | 215 | |
38 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,525 | +0.749% | 182 | |
39 | EMPORIUM TPO LLC | Sound | Mediocre | Strong | Strong | Strong | $3,240 | +1.009% | 113 | |
40 | NATIONS DIRECT MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $3,062 | +0.398% | 236 | |
41 | MK LENDING CORP. | Sound | Mediocre | Strong | Sound | Strong | $4,255 | +0.456% | 228 | |
42 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,953 | +0.621% | 184 | |
43 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,569 | +0.625% | 153 | |
44 | AMERITRUST MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Strong | $3,504 | +0.688% | 136 | |
45 | PFN Lending Group, Inc. | Sound | Mediocre | Strong | Sound | Strong | $3,087 | +0.382% | 130 | |
46 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,992 | +0.445% | 124 | |
47 | JMAC LENDING, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,037 | +0.430% | 121 |
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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