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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,936 | +0.019% | 711 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,346 | +0.286% | 275 | |
3 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | Strong | $1,786 | -1.030% | 232 | |
4 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $895 | +0.449% | 230 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
6 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,460 | -0.221% | 505 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,356 | +0.185% | 402 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,374 | -0.035% | 182 | |
9 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,369 | -0.896% | 127 | |
10 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $3,170 | +0.286% | 107 | |
11 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,788 | -0.027% | 105 | |
12 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,871 | -0.246% | 86 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,943 | -0.321% | 564 | |
15 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $697 | +0.064% | 257 | |
16 | RESIDENTIAL ACCEPTANCE CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $6,111 | +0.101% | 197 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,523 | +0.292% | 193 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,291 | +0.435% | 174 | |
19 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Exceptional | Strong | Strong | $3,155 | +0.432% | 170 | |
20 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,916 | +0.527% | 153 | |
21 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,472 | +0.309% | 144 | |
22 | RMC HOME MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,488 | +0.348% | 116 | |
23 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,094 | +0.461% | 72 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,662 | +0.326% | 468 | |
25 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $2,215 | +0.111% | 413 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,747 | +0.461% | 400 | |
27 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,371 | +0.528% | 294 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,807 | +0.509% | 260 | |
29 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,820 | +0.331% | 254 | |
30 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $5,041 | +0.209% | 76 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,883 | +0.034% | 524 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,431 | +0.162% | 479 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,925 | +0.386% | 338 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,336 | +0.115% | 326 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,728 | +0.445% | 278 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.572% | 276 | |
37 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,698 | +0.298% | 236 | |
38 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,106 | +0.404% | 217 | |
39 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,448 | +0.624% | 168 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.743% | 159 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,304 | +0.279% | 144 | |
42 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,698 | +0.843% | 138 | |
43 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,907 | +0.575% | 123 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.354% | 122 | |
45 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $3,035 | +0.264% | 118 | |
46 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,453 | +0.356% | 98 | |
47 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,176 | +1.033% | 83 | |
48 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,610 | +0.687% | 530 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,122 | +0.335% | 137 | |
50 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $3,379 | +0.087% | 125 |
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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