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 | Strong | Strong | -$6,976 | +0.764% | 31 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,889 | +0.110% | 122 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,866 | +0.177% | 133 | |
4 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,609 | +0.526% | 99 | |
5 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,966 | +0.371% | 33 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,075 | -0.118% | 17 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,761 | +0.563% | 35 | |
8 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,312 | +0.640% | 167 | |
9 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $5,590 | +0.647% | 107 | |
10 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.637% | 63 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,907 | +0.375% | 32 | |
12 | INFINITY EQUITY GROUP, INC. | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,462 | +0.651% | 112 | |
13 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,511 | +0.395% | 55 | |
14 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,184 | +0.578% | 50 | |
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 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,591 | +0.531% | 22 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,007 | +0.617% | 73 | |
19 | HOME MORTGAGE ALLIANCE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $6,668 | +0.663% | 46 | |
20 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | 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.
Get personalized recommendations based on your specific needs