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