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 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,976 | +0.764% | 31 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,866 | +0.177% | 133 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,889 | +0.110% | 122 | |
4 | U.S. Bank National Association | Strong | Strong | Exceptional | Strong | Acceptable | $1,686 | +0.438% | 10 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,609 | +0.526% | 99 | |
6 | Tri Counties Bank | Strong | Strong | Sound | Sound | Strong | $1,551 | +0.166% | 21 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $4,012 | +0.356% | 13 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $5,532 | -0.034% | 12 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,007 | +0.617% | 73 | |
10 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.637% | 63 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,761 | +0.563% | 35 | |
12 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,966 | +0.371% | 33 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,907 | +0.375% | 32 | |
14 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,312 | +0.640% | 167 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,521 | +0.229% | 29 | |
16 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $7,989 | +0.565% | 27 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,315 | +0.446% | 12 | |
18 | INFINITY EQUITY GROUP, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,462 | +0.651% | 112 | |
19 | MORTGAGEONE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $5,590 | +0.647% | 107 | |
20 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,511 | +0.395% | 55 | |
21 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,184 | +0.578% | 50 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,327 | +0.780% | 11 | |
23 | Umpqua Bank | Strong | Acceptable | Strong | Strong | Sound | $2,574 | +0.441% | 10 | |
24 | HOME MORTGAGE ALLIANCE CORPORATION | Sound | Mediocre | Strong | Sound | Strong | $6,668 | +0.663% | 46 | |
25 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $3,344 | +0.438% | 12 | |
26 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Sound | $5,956 | +0.497% | 17 |
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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