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 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,092 | +0.203% | 2,206 | |
4 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,261 | +0.212% | 1,597 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,279 | +0.415% | 946 | |
6 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,335 | +0.344% | 578 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,457 | +0.438% | 342 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
9 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,711 | +0.402% | 624 | |
10 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,840 | +0.294% | 301 | |
11 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,582 | -0.106% | 244 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,715 | +0.433% | 1,391 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744 | +0.491% | 1,372 | |
15 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
16 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
17 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,044 | +0.401% | 514 | |
18 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
19 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,145 | +0.307% | 406 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,374 | +0.280% | 301 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,894 | +0.399% | 1,113 | |
26 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,329 | +0.294% | 1,062 | |
27 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
28 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,001 | +0.448% | 792 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,555 | +0.242% | 555 | |
30 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,266 | +0.234% | 460 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,858 | +0.419% | 449 | |
32 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.523% | 423 | |
33 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $3,051 | +0.009% | 344 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,043 | +0.493% | 1,917 | |
35 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,234 | +0.299% | 616 | |
36 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,684 | +0.358% | 526 | |
37 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,035 | +0.475% | 419 | |
38 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $2,989 | +0.329% | 355 | |
39 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,705 | +0.715% | 353 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,468 | +0.460% | 348 | |
41 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,860 | +0.309% | 324 | |
42 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.453% | 316 | |
43 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,014 | +0.111% | 278 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.684% | 277 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,552 | +0.358% | 312 | |
47 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,425 | +0.760% | 302 | |
48 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,135 | +0.447% | 288 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,119 | +0.239% | 286 |
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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