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 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $3,054 | +0.164% | 64 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,731 | +0.407% | 266 | |
3 | MEMBERS MORTGAGE COMPANY, INC. | Strong | Exceptional | Sound | Sound | $1,000 | +0.039% | 24 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,845 | +0.568% | 346 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,422 | +0.431% | 275 | |
6 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,140 | +0.423% | 152 | |
7 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,103 | +0.418% | 126 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,877 | +0.476% | 56 | |
9 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,138 | +0.647% | 56 | |
10 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,304 | +0.257% | 49 | |
11 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,163 | +0.563% | 46 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,724 | +0.410% | 147 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,063 | +0.377% | 82 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,119 | +0.007% | 27 | |
15 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,826 | +0.392% | 97 | |
16 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,089 | +0.569% | 95 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,148 | +0.669% | 79 | |
18 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | $2,802 | +0.570% | 54 | |
19 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,042 | +0.723% | 44 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,986 | +0.687% | 140 | |
21 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $4,397 | +0.662% | 88 | |
22 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,093 | +0.254% | 35 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,968 | +0.300% | 35 | |
24 | MEMBER ADVANTAGE MORTGAGE, LLC | Sound | Sound | Acceptable | Sound | $3,125 | +0.207% | 22 | |
25 | SEMPER HOME LOANS, INC | Sound | Mediocre | Strong | Strong | $5,410 | +0.619% | 34 | |
26 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,169 | +0.476% | 29 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $5,519 | +0.624% | 25 |
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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