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 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $305 | -0.210% | 154 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
5 | Leader Bank, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $915 | -0.110% | 3,331 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $560 | -0.525% | 326 | |
7 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,597 | +0.237% | 1,614 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,884 | +0.377% | 1,381 | |
10 | HARBORONE MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $2,139 | +0.111% | 701 | |
11 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$986 | -0.143% | 627 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,581 | +0.195% | 589 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,183 | +0.200% | 525 | |
14 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Acceptable | Strong | Exceptional | $1,391 | +0.045% | 448 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,422 | +0.043% | 395 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | -$189 | +0.462% | 138 | |
17 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,156 | +0.002% | 783 | |
18 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,706 | +0.209% | 317 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,337 | +0.473% | 212 | |
20 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,408 | -0.176% | 124 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,697 | +0.314% | 1,810 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,089 | +0.394% | 525 | |
25 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,250 | -0.076% | 345 | |
26 | KEYSTONE FUNDING, INC. | Strong | Sound | Strong | Exceptional | Strong | $1,446 | +0.279% | 177 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
29 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,590 | +0.343% | 307 | |
30 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,017 | +0.571% | 286 | |
31 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,075 | +0.499% | 570 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,269 | +0.277% | 476 | |
33 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.488% | 393 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,790 | +0.305% | 389 | |
35 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
36 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,452 | +0.551% | 1,064 | |
37 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
38 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | — | Strong | Strong | $2,999 | +0.422% | 157 | |
39 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,434 | +0.456% | 121 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,411 | +0.512% | 682 | |
41 | 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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