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 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,974 | +0.272% | 350 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,909 | +0.180% | 11 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,033 | +0.435% | 350 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,236 | +0.200% | 185 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,790 | +0.570% | 52 | |
6 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,100 | +0.602% | 297 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,780 | +0.390% | 225 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,557 | +0.245% | 81 | |
9 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $3,494 | +0.370% | 57 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,026 | +0.344% | 40 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,406 | +0.437% | 101 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,521 | +0.502% | 96 | |
13 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.705% | 66 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,816 | +0.389% | 61 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,149 | +0.130% | 43 | |
16 | State Financial Network, LLC | Strong | Strong | Sound | Sound | Sound | $1,248 | +0.536% | 13 | |
17 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,420 | +0.556% | 77 | |
18 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,827 | +0.553% | 50 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,425 | +0.399% | 49 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,779 | +0.439% | 46 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,412 | +0.402% | 39 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,694 | +0.554% | 36 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,210 | +0.588% | 33 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,163 | +0.613% | 31 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,275 | +0.329% | 27 | |
26 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,675 | +0.454% | 18 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,747 | +0.496% | 17 | |
28 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,667 | +0.173% | 15 | |
29 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,787 | +0.087% | 13 | |
30 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $2,249 | +0.321% | 11 | |
31 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,876 | +0.490% | 18 | |
32 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,254 | +0.304% | 15 | |
33 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,324 | +0.389% | 20 | |
34 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,576 | +0.648% | 44 | |
35 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | 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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