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 | Exceptional | Exceptional | $1,130 | -0.027% | 516 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
4 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
5 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,597 | +0.237% | 1,614 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,884 | +0.377% | 1,381 | |
7 | HARBORONE MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $2,139 | +0.111% | 701 | |
8 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,581 | +0.195% | 589 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,183 | +0.200% | 525 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,422 | +0.043% | 395 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | -$189 | +0.462% | 138 | |
12 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,706 | +0.209% | 317 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,337 | +0.473% | 212 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,089 | +0.394% | 525 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,250 | -0.076% | 345 | |
19 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,446 | +0.279% | 177 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
22 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,590 | +0.343% | 307 | |
23 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,017 | +0.571% | 286 | |
24 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,075 | +0.499% | 570 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,269 | +0.277% | 476 | |
26 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.488% | 393 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,790 | +0.305% | 389 | |
28 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
29 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,452 | +0.551% | 1,064 | |
30 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
31 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | — | Strong | Strong | $2,999 | +0.422% | 157 | |
32 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,434 | +0.456% | 121 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,411 | +0.512% | 682 | |
34 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,535 | +0.451% | 403 |
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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