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 | GOOGAIN, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | -$938 | +0.017% | 66 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,244 | -0.039% | 196 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216 | -0.164% | 860 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,882 | +0.149% | 5,307 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
7 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,913 | +0.074% | 354 | |
9 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $3,088 | +0.302% | 81 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,607 | +0.242% | 74 | |
11 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $2,419 | +0.307% | 73 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,233 | +0.328% | 57 | |
13 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,118 | +0.382% | 352 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
15 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,218 | +0.221% | 309 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.340% | 276 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,542 | -0.008% | 199 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,815 | +0.024% | 142 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,746 | +0.374% | 136 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,231 | +0.307% | 133 | |
24 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $3,411 | +0.248% | 94 | |
25 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,369 | +0.083% | 74 | |
26 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Sound | $2,697 | +0.276% | 63 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,866 | +0.416% | 700 | |
28 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
29 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,384 | +0.260% | 196 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,050 | +0.298% | 154 | |
31 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,270 | +0.253% | 105 | |
32 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,135 | +0.591% | 85 | |
33 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,641 | +0.303% | 78 | |
34 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,326 | +0.125% | 53 | |
35 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,242 | +0.383% | 170 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,695 | +0.098% | 135 | |
37 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,288 | +0.355% | 129 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,673 | +0.219% | 91 | |
39 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,188 | +0.298% | 81 | |
40 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,126 | +0.096% | 80 | |
41 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,029 | +0.482% | 63 | |
42 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,747 | +0.292% | 79 | |
43 | PEAK RESIDENTIAL LENDING INC | Sound | Mediocre | Strong | Strong | Strong | $3,805 | +0.246% | 75 | |
44 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,216 | +0.033% | 59 | |
45 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,239 | +0.361% | 59 | |
46 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,708 | +0.726% | 122 | |
47 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Sound | $3,455 | +0.281% | 56 | |
48 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Strong | Sound | $4,104 | +0.687% | 55 | |
49 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Sound | Sound | Strong | $3,487 | +0.312% | 119 |
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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