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 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,054 | +0.164% | 64 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,731 | +0.407% | 266 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,138 | +0.647% | 56 | |
4 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,852 | +0.397% | 26 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,845 | +0.568% | 346 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,422 | +0.431% | 275 | |
7 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,037 | +0.191% | 97 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,877 | +0.476% | 56 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,119 | +0.007% | 27 | |
10 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,850 | +0.601% | 15 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Strong | Exceptional | Strong | Acceptable | $1,652 | +0.413% | 10 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,140 | +0.423% | 152 | |
13 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $3,826 | +0.392% | 97 | |
14 | Easthampton Savings Bank | Strong | Strong | Sound | Sound | Strong | $487 | +0.013% | 62 | |
15 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,304 | +0.257% | 49 | |
16 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,681 | +0.200% | 39 | |
17 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $2,122 | +0.553% | 19 | |
18 | FIRST WORLD MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $3,572 | +0.484% | 18 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,724 | +0.410% | 147 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,103 | +0.418% | 126 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,063 | +0.377% | 82 | |
22 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,163 | +0.563% | 46 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,042 | +0.723% | 44 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,169 | +0.476% | 29 | |
25 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $3,251 | +0.507% | 19 | |
26 | CIBM Bank | Strong | Sound | Strong | Strong | Sound | $3,902 | +0.442% | 16 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,323 | +0.378% | 14 | |
28 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Sound | $4,378 | +1.063% | 12 | |
29 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,397 | +0.662% | 88 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,779 | +1.357% | 15 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,192 | +0.733% | 15 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,331 | +0.517% | 13 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,148 | +0.669% | 79 | |
34 | SEMPER HOME LOANS, INC | Strong | Mediocre | Strong | Exceptional | Strong | $5,410 | +0.619% | 34 | |
35 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,569 | +0.703% | 16 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $3,390 | +0.525% | 14 | |
37 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,986 | +0.687% | 140 | |
38 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Strong | $2,802 | +0.570% | 54 | |
39 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,968 | +0.300% | 35 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,519 | +0.624% | 25 | |
41 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,471 | +0.538% | 17 | |
42 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Sound | $3,735 | +0.709% | 15 |
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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