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 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Strong | Sound | Sound | $1,000 | +0.039% | 24 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,422 | +0.431% | 275 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,731 | +0.407% | 266 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,877 | +0.476% | 56 | |
6 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,304 | +0.257% | 49 | |
7 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | Sound | $906 | +0.158% | 13 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,845 | +0.568% | 346 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,140 | +0.423% | 152 | |
10 | FIRST WORLD MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $3,572 | +0.484% | 18 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,724 | +0.410% | 147 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,103 | +0.418% | 126 | |
13 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.662% | 88 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,063 | +0.377% | 82 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,148 | +0.669% | 79 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,138 | +0.647% | 56 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,042 | +0.723% | 44 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,119 | +0.007% | 27 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,986 | +0.687% | 140 | |
20 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,826 | +0.392% | 97 | |
21 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $2,802 | +0.570% | 54 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,968 | +0.300% | 35 | |
23 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,122 | +0.553% | 19 | |
24 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $3,251 | +0.507% | 19 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,779 | +1.357% | 15 | |
26 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,008 | +0.471% | 15 | |
27 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,189 | +0.512% | 11 | |
28 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,163 | +0.563% | 46 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,093 | +0.254% | 35 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,169 | +0.476% | 29 | |
31 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,850 | +0.601% | 15 | |
32 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,378 | +1.063% | 12 | |
33 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,519 | +0.624% | 25 | |
34 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $2,471 | +0.538% | 17 | |
35 | MORTGAGE EQUITY PARTNERS LLC | Sound | Acceptable | Strong | Sound | Sound | $3,735 | +0.709% | 15 | |
36 | MEMBER ADVANTAGE MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Sound | $3,125 | +0.207% | 22 | |
37 | SEMPER HOME LOANS, INC | Sound | Mediocre | Sound | Sound | Strong | $5,410 | +0.619% | 34 | |
38 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Acceptable | $4,335 | +0.780% | 10 | |
39 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $2,569 | +0.703% | 16 |
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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