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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $2,379 | +0.244% | 131 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
5 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,139 | +0.111% | 701 | |
6 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,446 | +0.279% | 177 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,766 | +0.271% | 1,840 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,597 | +0.237% | 1,614 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,884 | +0.377% | 1,381 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,625 | +0.352% | 970 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,183 | +0.200% | 525 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,422 | +0.043% | 395 | |
15 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,706 | +0.209% | 317 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,687 | +0.069% | 244 | |
17 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,144 | +0.248% | 181 | |
18 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,345 | +0.408% | 171 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
20 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
21 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Exceptional | $3,075 | +0.499% | 570 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,250 | -0.076% | 345 | |
23 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Strong | $1,569 | +0.134% | 338 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,337 | +0.473% | 212 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,191 | +0.598% | 209 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,102 | +0.288% | 192 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $789 | +0.299% | 151 | |
28 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | $4,452 | +0.551% | 1,064 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,581 | +0.195% | 589 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,269 | +0.277% | 476 | |
31 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,535 | +0.451% | 403 | |
32 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,168 | +0.488% | 393 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,790 | +0.305% | 389 | |
34 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | $2,523 | +0.353% | 379 | |
35 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,590 | +0.343% | 307 | |
36 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $593 | +0.125% | 245 | |
37 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,425 | +0.282% | 188 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,662 | +0.585% | 178 | |
39 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,185 | +0.682% | 170 | |
40 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Strong | Strong | $2,999 | +0.422% | 157 | |
41 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | -$189 | +0.462% | 138 | |
42 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,390 | +0.267% | 132 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,411 | +0.512% | 682 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,089 | +0.394% | 525 | |
45 | FIRST HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,640 | +0.430% | 183 | |
46 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $2,574 | +0.392% | 154 | |
47 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,017 | +0.571% | 286 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $4,434 | +0.456% | 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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