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 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $888 | +0.002% | 98 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,343 | +0.505% | 129 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,808 | +0.208% | 342 | |
5 | RMC HOME MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,356 | +0.394% | 236 | |
6 | JLB CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,357 | +0.391% | 185 | |
7 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,391 | +0.174% | 116 | |
8 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,549 | +0.383% | 90 | |
9 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,148 | -0.084% | 73 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
11 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,358 | +0.252% | 926 | |
12 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,960 | +0.267% | 567 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,776 | +0.600% | 473 | |
14 | FEDERATED MORTGAGE CORP. | Strong | Sound | Sound | Exceptional | Exceptional | $1,818 | +0.199% | 201 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,995 | +0.739% | 126 | |
16 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,203 | +0.462% | 67 | |
17 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,688 | +0.394% | 61 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.361% | 968 | |
19 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,997 | +0.393% | 609 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,006 | +0.268% | 503 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,182 | +0.304% | 429 | |
22 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896 | +0.318% | 301 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,273 | +0.433% | 224 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,291 | +0.509% | 85 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,786 | +0.440% | 77 | |
26 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,721 | +0.354% | 510 | |
27 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $979 | +0.464% | 429 | |
28 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,412 | +0.273% | 372 | |
29 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,710 | +0.145% | 153 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.214% | 120 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,667 | +0.466% | 51 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,794 | +0.447% | 434 | |
33 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,939 | +0.738% | 64 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,627 | +0.374% | 51 | |
35 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,526 | +0.926% | 50 | |
36 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,999 | +0.500% | 141 | |
37 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,943 | +0.992% | 57 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,883 | +0.079% | 55 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,143 | +0.048% | 49 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,647 | +0.873% | 90 | |
41 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $931 | +0.847% | 81 |
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.
Get personalized recommendations based on your specific needs