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 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,974 | +0.272% | 350 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,236 | +0.200% | 185 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,033 | +0.435% | 350 | |
4 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,780 | +0.390% | 225 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,557 | +0.245% | 81 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,816 | +0.389% | 61 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,790 | +0.570% | 52 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,149 | +0.130% | 43 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,100 | +0.602% | 297 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,406 | +0.437% | 101 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,521 | +0.502% | 96 | |
12 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $3,494 | +0.370% | 57 | |
13 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,021 | +0.705% | 66 | |
14 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,827 | +0.553% | 50 | |
15 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,425 | +0.399% | 49 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $412 | +0.547% | 45 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,210 | +0.588% | 33 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,275 | +0.329% | 27 | |
19 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,324 | +0.389% | 20 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,420 | +0.556% | 77 | |
21 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,779 | +0.439% | 46 | |
22 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $3,026 | +0.344% | 40 | |
23 | Prosperity Home Mortgage, LLC | Sound | Acceptable | Strong | Sound | $2,412 | +0.402% | 39 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,694 | +0.554% | 36 | |
25 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,163 | +0.613% | 31 | |
26 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,576 | +0.648% | 44 | |
27 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | $5,054 | +1.080% | 24 |
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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