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 | GOOGAIN, INC. | Exceptional | Exceptional | Exceptional | Strong | -$981 | -0.086% | 57 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,215 | -0.181% | 87 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,274 | -0.046% | 4,837 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,490 | +0.123% | 2,283 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,235 | -0.088% | 526 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,329 | +0.080% | 408 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,743 | +0.065% | 382 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,368 | -0.133% | 315 | |
9 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,002 | -0.050% | 207 | |
10 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,554 | +0.203% | 202 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $1,442 | -0.072% | 58 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,930 | +0.169% | 54 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,339 | +0.059% | 369 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,217 | +0.286% | 328 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,585 | +0.251% | 216 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,270 | +0.263% | 160 | |
18 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | $2,930 | +0.191% | 142 | |
19 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,474 | +0.131% | 122 | |
20 | NMSI, INC. | Strong | Acceptable | Exceptional | Strong | $1,334 | +0.157% | 119 | |
21 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $1,221 | +0.063% | 81 | |
22 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,256 | +0.477% | 64 | |
23 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,718 | +0.225% | 335 | |
24 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,477 | +0.593% | 185 | |
25 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $3,339 | +0.445% | 175 | |
26 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,789 | +0.457% | 168 | |
27 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,740 | +0.185% | 165 | |
28 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,336 | +0.157% | 161 | |
29 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,911 | +0.045% | 147 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,843 | +0.164% | 128 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,476 | +0.238% | 121 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,385 | +0.248% | 118 | |
33 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,836 | +0.152% | 116 | |
34 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,484 | +0.254% | 105 | |
35 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,855 | +0.137% | 99 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $5,904 | +0.426% | 78 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,297 | +0.334% | 59 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,873 | -0.063% | 50 | |
39 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,782 | +0.155% | 341 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,685 | +0.448% | 186 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,673 | +0.425% | 155 | |
42 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $4,736 | +0.170% | 109 | |
43 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,029 | +0.235% | 81 | |
44 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Strong | $3,111 | +0.515% | 81 | |
45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $2,985 | +0.143% | 77 | |
46 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Strong | $4,220 | +0.230% | 64 | |
47 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | $3,952 | +0.115% | 61 | |
48 | Commerce Home Mortgage, Inc. | Sound | Acceptable | Strong | Sound | $4,823 | +0.912% | 59 | |
49 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,766 | +0.514% | 137 | |
50 | OriginPoint, LLC | Sound | Acceptable | Sound | Sound | $2,222 | +0.185% | 60 |
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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