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 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Sound | Exceptional | $541 | -0.275% | 104 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,326 | +0.388% | 389 | |
3 | FIRST WORLD MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $2,414 | +0.304% | 132 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $2,201 | +0.023% | 39 | |
5 | HOMESTEAD FUNDING CORP. | Strong | Strong | Exceptional | Sound | $893 | +0.274% | 27 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,527 | +0.417% | 398 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,907 | +0.482% | 88 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,196 | +0.325% | 86 | |
9 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,539 | +0.313% | 84 | |
10 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $1,610 | +0.311% | 52 | |
11 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $2,313 | +0.269% | 41 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,350 | +0.463% | 126 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,045 | +0.385% | 111 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,521 | +0.366% | 90 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,167 | +0.316% | 52 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,338 | +0.410% | 49 | |
17 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,392 | +0.671% | 49 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,830 | +0.274% | 42 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,367 | +0.688% | 37 | |
20 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | $3,661 | +0.476% | 394 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,797 | +0.528% | 155 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,843 | +0.325% | 98 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,853 | +0.420% | 87 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,275 | +0.370% | 63 | |
25 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,326 | +0.352% | 55 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,800 | +0.506% | 46 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,020 | +0.041% | 26 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $2,530 | +0.298% | 24 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $3,757 | +0.621% | 20 | |
30 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,136 | +0.499% | 85 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,657 | +0.517% | 58 | |
32 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,591 | +0.467% | 36 | |
33 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,287 | +0.367% | 36 | |
34 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,847 | +0.612% | 29 | |
35 | PROVINCE MORTGAGE ASSOCIATES, INC. | Sound | Acceptable | Strong | Sound | $2,371 | +0.299% | 28 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,435 | +0.678% | 76 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,521 | +0.552% | 29 | |
38 | PRYSMA LENDING GROUP, LLC | Sound | Mediocre | Strong | Strong | $3,248 | +0.554% | 28 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $4,328 | +0.590% | 36 |
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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