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