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 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,982 | +0.151% | 715 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,459 | -0.282% | 209 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,448 | -0.501% | 193 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,644 | +0.306% | 4,820 | |
5 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $2,264 | -1.275% | 132 | |
6 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,858 | -0.432% | 118 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,462 | +0.374% | 510 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,034 | +0.217% | 507 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,866 | +0.228% | 384 | |
10 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $129 | -0.005% | 186 | |
11 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,069 | +0.229% | 152 | |
12 | PARK SQUARE HOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | Strong | $2,704 | -0.520% | 140 | |
13 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,306 | +0.723% | 131 | |
14 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,188 | -0.125% | 363 | |
15 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,437 | +0.522% | 359 | |
16 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,263 | +0.272% | 174 | |
17 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176 | -0.563% | 173 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583 | +0.233% | 2,512 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,979 | -0.062% | 542 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,943 | +0.325% | 390 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,896 | +0.597% | 360 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631 | +0.488% | 728 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,026 | -0.247% | 488 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,146 | +0.419% | 245 | |
25 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $1,623 | +0.232% | 176 | |
26 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $4,859 | +0.008% | 127 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,542 | +0.276% | 95 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.590% | 73 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,547 | +0.252% | 73 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,696 | +0.281% | 351 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,224 | +0.262% | 225 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,081 | +0.265% | 204 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,273 | +0.476% | 171 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,129 | +0.443% | 239 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,828 | +0.349% | 198 | |
36 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,390 | +0.650% | 142 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,048 | +0.425% | 107 | |
38 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,746 | +0.399% | 490 | |
39 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,562 | +0.394% | 369 | |
40 | CANOPY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,128 | +0.313% | 200 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,389 | +0.676% | 194 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,000 | +0.725% | 110 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,897 | +0.708% | 510 | |
44 | Mortgage Lenders Investment Trading Corporation | Sound | Mediocre | Strong | Strong | Strong | $3,840 | +0.721% | 137 | |
45 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $4,416 | +0.601% | 115 | |
46 | MORTGAGE FINANCIAL GROUP, INC. | Sound | Acceptable | Sound | Sound | Strong | $2,637 | +0.212% | 75 |
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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