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 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,874 | +0.265% | 99 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,363 | +0.024% | 2,369 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,837 | +0.111% | 474 | |
4 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,726 | +0.119% | 270 | |
5 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $2,895 | +0.208% | 175 | |
6 | Heritage Mortgage, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $3,299 | +0.257% | 116 | |
7 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,874 | +0.329% | 1,585 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,154 | +0.202% | 690 | |
9 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,106 | +0.230% | 518 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,483 | -0.014% | 414 | |
12 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,998 | +0.261% | 242 | |
13 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,284 | -0.187% | 755 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,690 | +0.199% | 2,107 | |
16 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,895 | +0.426% | 683 | |
18 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,478 | +0.289% | 405 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,698 | +0.262% | 217 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,039 | +0.285% | 135 | |
21 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,003 | -0.370% | 132 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $5,096 | +0.469% | 85 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,657 | +0.557% | 583 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,347 | +0.379% | 423 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,135 | +0.425% | 347 | |
26 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.389% | 207 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,076 | +0.079% | 200 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,880 | +0.376% | 123 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,966 | +0.458% | 112 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | +0.499% | 104 | |
31 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.400% | 85 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,230 | +0.270% | 67 | |
33 | ACOPIA, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,125 | +0.498% | 133 | |
34 | ISERVE RESIDENTIAL LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,228 | +0.290% | 101 | |
35 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,214 | +0.301% | 88 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,430 | +0.812% | 78 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,938 | +0.243% | 66 | |
38 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $3,314 | +0.369% | 449 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,070 | +0.463% | 270 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,130 | +0.422% | 193 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,603 | +0.462% | 280 | |
42 | AMERISAVE MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $3,497 | +0.472% | 67 |
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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