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 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
4 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,183 | +0.200% | 525 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,422 | +0.043% | 395 | |
7 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,706 | +0.209% | 317 | |
8 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,446 | +0.279% | 177 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
12 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,139 | +0.111% | 701 | |
13 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,168 | +0.488% | 393 | |
14 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $593 | +0.125% | 245 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,089 | +0.394% | 525 | |
20 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,590 | +0.343% | 307 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,337 | +0.473% | 212 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,191 | +0.598% | 209 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,102 | +0.288% | 192 | |
24 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,144 | +0.248% | 181 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $789 | +0.299% | 151 | |
26 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,452 | +0.551% | 1,064 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,581 | +0.195% | 589 | |
28 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $2,523 | +0.353% | 379 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
30 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,425 | +0.282% | 188 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,662 | +0.585% | 178 | |
32 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,345 | +0.408% | 171 | |
33 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,185 | +0.682% | 170 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | -$189 | +0.462% | 138 | |
35 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,390 | +0.267% | 132 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,269 | +0.277% | 476 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,250 | -0.076% | 345 | |
39 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,640 | +0.430% | 183 | |
40 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Strong | $2,574 | +0.392% | 154 | |
41 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,434 | +0.456% | 121 | |
42 | RADIUS FINANCIAL GROUP INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,075 | +0.499% | 570 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,790 | +0.305% | 389 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,017 | +0.571% | 286 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,411 | +0.512% | 682 | |
46 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,535 | +0.451% | 403 | |
47 | DREW MORTGAGE ASSOCIATES, INC. | Sound | Mediocre | Sound | Strong | Strong | $2,999 | +0.422% | 157 |
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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