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 | Exceptional | $1,712 | +0.120% | 3,777 | |
2 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,126 | +0.237% | 3,529 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,733 | +0.322% | 3,178 | |
4 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
5 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
6 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
7 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,422 | +0.043% | 395 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,337 | +0.473% | 212 | |
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 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,625 | +0.352% | 970 | |
14 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,139 | +0.111% | 701 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,581 | +0.195% | 589 | |
16 | RADIUS FINANCIAL GROUP INC. | Strong | Sound | Strong | Sound | Exceptional | $3,075 | +0.499% | 570 | |
17 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,706 | +0.209% | 317 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Sound | Acceptable | Strong | $1,250 | -0.076% | 345 | |
19 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $4,452 | +0.551% | 1,064 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,411 | +0.512% | 682 | |
21 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,425 | +0.282% | 188 | |
22 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Acceptable | Strong | Sound | Strong | $1,569 | +0.134% | 338 | |
23 | BAY EQUITY LLC | Strong | Acceptable | Strong | Sound | Strong | $1,687 | +0.069% | 244 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Strong | Sound | Strong | $789 | +0.299% | 151 | |
25 | EMM LOANS LLC | Sound | Acceptable | Sound | Acceptable | Strong | $2,168 | +0.488% | 393 |
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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