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 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Strong | Sound | Exceptional | $541 | -0.275% | 104 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,201 | +0.023% | 39 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $893 | +0.274% | 27 | |
4 | FIRST WORLD MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,414 | +0.304% | 132 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,527 | +0.417% | 398 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,326 | +0.388% | 389 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,907 | +0.482% | 88 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,853 | +0.420% | 87 | |
9 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,661 | +0.476% | 394 | |
10 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $2,313 | +0.269% | 41 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,020 | +0.041% | 26 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,857 | +0.198% | 17 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,797 | +0.528% | 155 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,350 | +0.463% | 126 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,045 | +0.385% | 111 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,521 | +0.366% | 90 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.325% | 86 | |
18 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $2,539 | +0.313% | 84 | |
19 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,435 | +0.678% | 76 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,326 | +0.352% | 55 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,167 | +0.316% | 52 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.410% | 49 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.671% | 49 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,800 | +0.506% | 46 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,830 | +0.274% | 42 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,843 | +0.325% | 98 | |
27 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,136 | +0.499% | 85 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,657 | +0.517% | 58 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,367 | +0.688% | 37 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,591 | +0.467% | 36 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,287 | +0.367% | 36 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,530 | +0.298% | 24 | |
33 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,117 | +0.409% | 14 | |
34 | WARSHAW CAPITAL, LLC | Strong | Sound | Sound | Strong | Sound | $2,062 | +0.292% | 12 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,275 | +0.370% | 63 | |
36 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $1,610 | +0.311% | 52 | |
37 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,847 | +0.612% | 29 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,581 | +0.268% | 11 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,305 | +0.140% | 11 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,328 | +0.590% | 36 | |
41 | PROVINCE MORTGAGE ASSOCIATES, INC. | Sound | Acceptable | Sound | Strong | Sound | $2,371 | +0.299% | 28 | |
42 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,757 | +0.621% | 20 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,521 | +0.552% | 29 | |
44 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Sound | $5,751 | +0.568% | 12 | |
45 | PRYSMA LENDING GROUP, LLC | Sound | Mediocre | Sound | Sound | Strong | $3,248 | +0.554% | 28 | |
46 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Strong | Sound | Sound | $5,873 | +0.672% | 17 | |
47 | NP, INC. | Sound | Mediocre | Strong | Sound | Sound | $1,892 | +1.310% | 14 |
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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