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 | Customers Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $655 | +0.036% | 130 | |
2 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,337 | +0.127% | 114 | |
3 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,974 | +0.272% | 350 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,236 | +0.200% | 185 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,149 | +0.130% | 43 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,557 | +0.245% | 81 | |
7 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,412 | +0.402% | 39 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $225 | +0.300% | 25 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,033 | +0.435% | 350 | |
10 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,449 | +0.459% | 118 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,790 | +0.570% | 52 | |
12 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,787 | +0.087% | 13 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,780 | +0.390% | 225 | |
14 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,779 | +0.439% | 46 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,176 | +0.412% | 23 | |
16 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,249 | +0.321% | 11 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,406 | +0.437% | 101 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,521 | +0.502% | 96 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,816 | +0.389% | 61 | |
20 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $3,494 | +0.370% | 57 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,425 | +0.399% | 49 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,210 | +0.588% | 33 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,275 | +0.329% | 27 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,747 | +0.496% | 17 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,100 | +0.602% | 297 | |
26 | Flanagan State Bank | Strong | Acceptable | Strong | Strong | Strong | $4,971 | +0.993% | 67 | |
27 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,827 | +0.553% | 50 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,026 | +0.344% | 40 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,163 | +0.613% | 31 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,778 | +0.351% | 14 | |
31 | CONTOUR MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,021 | +0.705% | 66 | |
32 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,576 | +0.648% | 44 | |
33 | EAST COAST CAPITAL CORP. | Strong | Acceptable | Strong | Strong | Sound | $5,054 | +1.080% | 24 | |
34 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,630 | +0.384% | 17 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $5,931 | +0.907% | 12 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,420 | +0.556% | 77 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,694 | +0.554% | 36 |
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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