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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $115 | -0.189% | 146 | |
2 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,927 | +0.214% | 354 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,701 | +0.165% | 172 | |
4 | Gulf Coast Bank and Trust Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,784 | +0.275% | 136 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,557 | +0.163% | 83 | |
6 | STANDARD MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Sound | Strong | $2,071 | +0.068% | 63 | |
7 | KEESLER | Exceptional | Exceptional | Strong | Strong | Sound | $706 | -0.393% | 16 | |
8 | FIDELITY BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,377 | +0.325% | 136 | |
9 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $2,027 | +0.142% | 68 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,992 | +0.380% | 181 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,418 | -0.218% | 24 | |
12 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $2,929 | +0.295% | 21 | |
13 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $3,260 | +0.201% | 66 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,433 | +0.364% | 43 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,482 | +0.335% | 21 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,341 | +0.225% | 15 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.278% | 89 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,365 | +0.312% | 28 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,909 | +0.452% | 25 | |
20 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,277 | +0.944% | 21 | |
21 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,073 | +0.532% | 17 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,201 | +0.333% | 16 | |
23 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,205 | -0.029% | 16 | |
24 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,574 | +0.564% | 10 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,903 | +0.591% | 79 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,925 | +0.420% | 23 | |
27 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Sound | $5,163 | +0.701% | 15 | |
28 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,529 | +0.456% | 69 | |
29 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,330 | +0.474% | 19 | |
30 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Sound | $2,317 | +0.474% | 12 |
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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