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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
2 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,740 | +0.432% | 11,053 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,418 | +0.260% | 5,972 | |
4 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,092 | +0.203% | 2,206 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
7 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,329 | +0.294% | 1,062 | |
8 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Strong | Exceptional | $3,051 | +0.009% | 344 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
11 | Mortgage America, Inc. | Strong | Sound | Strong | Sound | Exceptional | $2,261 | +0.212% | 1,597 | |
12 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,032 | +0.514% | 1,464 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.399% | 1,113 | |
14 | HOWARD HANNA FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $2,390 | +0.252% | 1,179 | |
15 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $2,347 | +0.344% | 829 |
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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