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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | -$7,098 | +0.510% | 20 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,446 | +0.345% | 778 | |
3 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,105 | +0.405% | 642 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,645 | +0.283% | 543 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,979 | +0.344% | 340 | |
6 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,430 | +0.161% | 120 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,828 | +0.218% | 82 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,069 | +0.185% | 61 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,859 | +0.263% | 44 | |
10 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,775 | +0.407% | 162 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,457 | +0.507% | 104 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,254 | +0.380% | 68 | |
13 | CUSO MORTGAGE CORPORATION | Strong | Sound | Sound | Strong | $1,950 | +0.504% | 53 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,280 | +0.641% | 48 | |
15 | SIS BANCORP, MHC | Strong | Sound | Sound | Strong | $1,239 | +0.283% | 48 | |
16 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | $1,903 | +0.437% | 29 | |
17 | NORTHEAST HOME LOAN, LLC | Strong | Sound | Strong | Sound | $1,425 | +0.738% | 25 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $889 | +0.021% | 24 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,154 | +0.355% | 160 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,494 | +0.698% | 84 | |
21 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $821 | +0.460% | 57 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,537 | +0.356% | 57 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,438 | -0.222% | 21 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,034 | +0.351% | 151 | |
25 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $3,791 | +0.543% | 104 | |
26 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,943 | +0.250% | 60 | |
27 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $1,956 | +0.384% | 33 | |
28 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | $1,738 | +0.236% | 32 | |
29 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,421 | +0.370% | 31 | |
30 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $2,068 | +0.150% | 29 | |
31 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $4,524 | +0.397% | 32 | |
32 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Sound | $3,283 | +0.585% | 22 |
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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