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 | TRAILBLAZER MORTGAGE L.L.C. | Exceptional | Exceptional | Strong | Strong | $1,786 | -1.030% | 232 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | $2,346 | +0.286% | 275 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,811 | -0.055% | 145 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,399 | +0.235% | 4,381 | |
5 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $895 | +0.449% | 230 | |
6 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $5,041 | +0.209% | 76 | |
7 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,936 | +0.019% | 711 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | $1,369 | -0.896% | 127 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,496 | +0.256% | 2,421 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,943 | -0.321% | 564 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,356 | +0.185% | 402 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,336 | +0.115% | 326 | |
13 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Strong | $3,155 | +0.432% | 170 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,956 | +0.467% | 717 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,883 | +0.034% | 524 | |
16 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $4,460 | -0.221% | 505 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,747 | +0.461% | 400 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,925 | +0.386% | 338 | |
19 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Strong | $3,371 | +0.528% | 294 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,728 | +0.445% | 278 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,807 | +0.509% | 260 | |
22 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,820 | +0.331% | 254 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,379 | +0.087% | 125 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,742 | +0.354% | 122 | |
25 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,871 | -0.246% | 86 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,610 | +0.687% | 530 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,982 | +0.572% | 276 | |
28 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,698 | +0.298% | 236 | |
29 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,106 | +0.404% | 217 | |
30 | RESIDENTIAL ACCEPTANCE CORPORATION | Strong | Acceptable | Strong | Strong | $6,111 | +0.101% | 197 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,523 | +0.292% | 193 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,886 | +0.304% | 185 | |
33 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $4,448 | +0.624% | 168 | |
34 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,548 | +0.743% | 159 | |
35 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,304 | +0.279% | 144 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,472 | +0.309% | 144 | |
37 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,698 | +0.843% | 138 | |
38 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,488 | +0.348% | 116 | |
39 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $3,453 | +0.356% | 98 | |
40 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,176 | +1.033% | 83 | |
41 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $3,094 | +0.461% | 72 | |
42 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,662 | +0.326% | 468 | |
43 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $4,026 | +0.745% | 367 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,292 | +0.623% | 328 | |
45 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $5,122 | +0.335% | 137 | |
46 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $3,035 | +0.264% | 118 | |
47 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,580 | +0.306% | 84 | |
48 | MY MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $5,424 | +0.880% | 174 | |
49 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Strong | $3,907 | +0.575% | 123 |
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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