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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | -$6,765 | +0.340% | 172 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $788 | -0.082% | 119 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
4 | Tradition Mortgage, LLC | Strong | Sound | Strong | Exceptional | $2,007 | +0.191% | 826 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
6 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,504 | +0.404% | 1,467 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,421 | +0.109% | 745 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,495 | +0.185% | 634 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,799 | +0.175% | 620 | |
10 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,486 | +0.301% | 427 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,879 | +0.281% | 274 | |
12 | Servion, Inc. | Strong | Sound | Strong | Strong | $2,251 | +0.158% | 161 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
15 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Exceptional | $3,358 | +0.344% | 468 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,711 | +0.444% | 440 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,983 | +0.455% | 436 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,291 | +0.272% | 431 | |
19 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,690 | +0.449% | 375 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,719 | +0.517% | 278 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,388 | +0.299% | 198 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,539 | +0.087% | 167 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,446 | +0.500% | 165 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,793 | +0.470% | 1,187 | |
25 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $5,775 | -0.222% | 586 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,962 | +0.354% | 575 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,701 | +0.254% | 362 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,459 | +0.156% | 335 | |
29 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Strong | $2,513 | +0.213% | 251 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,779 | +0.238% | 194 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $5,014 | +0.601% | 135 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Exceptional | $4,563 | +0.391% | 1,130 | |
33 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,234 | +0.638% | 592 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,457 | +0.320% | 453 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,597 | +0.513% | 221 | |
36 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $4,318 | +0.177% | 187 | |
37 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,971 | +0.386% | 96 | |
38 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,704 | +0.340% | 94 | |
39 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $2,650 | +0.126% | 93 | |
40 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,075 | +0.220% | 91 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $4,257 | +0.502% | 333 | |
42 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $5,959 | +0.495% | 155 |
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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