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