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 | NORTHEAST HOME LOAN, LLC | Exceptional | Strong | Strong | Exceptional | Sound | $1,425 | +0.738% | 25 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Sound | -$7,098 | +0.510% | 20 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,446 | +0.345% | 778 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,979 | +0.344% | 340 | |
5 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,430 | +0.161% | 120 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,069 | +0.185% | 61 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,105 | +0.405% | 642 | |
8 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645 | +0.283% | 543 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,859 | +0.263% | 44 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,438 | -0.222% | 21 | |
11 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,775 | +0.407% | 162 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,154 | +0.355% | 160 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.507% | 104 | |
14 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,791 | +0.543% | 104 | |
15 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,494 | +0.698% | 84 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,828 | +0.218% | 82 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,254 | +0.380% | 68 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,537 | +0.356% | 57 | |
19 | CUSO MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,950 | +0.504% | 53 | |
20 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $889 | +0.021% | 24 | |
21 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $914 | +0.557% | 16 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,034 | +0.351% | 151 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,943 | +0.250% | 60 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,280 | +0.641% | 48 | |
25 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,956 | +0.384% | 33 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,068 | +0.150% | 29 | |
27 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,189 | +0.164% | 17 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,823 | +0.435% | 15 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $821 | +0.460% | 57 | |
30 | SIS BANCORP, MHC | Strong | Sound | Acceptable | Sound | Strong | $1,239 | +0.283% | 48 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,421 | +0.370% | 31 | |
32 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,738 | +0.236% | 32 | |
33 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $4,524 | +0.397% | 32 | |
34 | NORWICH COMMERCIAL GROUP, INC. | Sound | Acceptable | Strong | Sound | Sound | $1,903 | +0.437% | 29 | |
35 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $3,920 | +0.523% | 15 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $7,053 | +0.120% | 17 | |
37 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $5,027 | +0.647% | 15 | |
38 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Acceptable | Sound | $3,283 | +0.585% | 22 | |
39 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $2,389 | +0.376% | 14 |
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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