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 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,257 | -0.088% | 76 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,368 | +0.272% | 659 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,995 | +0.433% | 603 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,973 | +0.307% | 114 | |
5 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,543 | +0.181% | 74 | |
6 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,880 | +0.161% | 73 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $971 | -0.087% | 52 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,993 | +0.268% | 430 | |
9 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,725 | +0.628% | 413 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,465 | +0.396% | 302 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,934 | +0.578% | 278 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,996 | +0.494% | 247 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,514 | +0.431% | 246 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,754 | +0.377% | 192 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,159 | -0.034% | 65 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,992 | +0.492% | 32 | |
17 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,715 | +0.420% | 22 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,387 | +0.551% | 195 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,783 | +0.498% | 75 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,982 | +0.388% | 74 | |
21 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,082 | +0.346% | 53 | |
22 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,789 | +0.380% | 44 | |
23 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,110 | +0.824% | 36 | |
24 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,361 | +0.447% | 121 | |
25 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,788 | +0.127% | 89 | |
26 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,847 | +0.404% | 86 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,510 | +0.363% | 80 | |
28 | DREW MORTGAGE ASSOCIATES, INC. | Strong | Acceptable | Sound | Strong | Exceptional | $3,359 | +0.558% | 77 | |
29 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $4,544 | +0.560% | 72 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $637 | +0.294% | 40 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $3,405 | +0.566% | 32 | |
32 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,445 | +0.655% | 31 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,421 | +0.469% | 31 | |
34 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,530 | +0.475% | 24 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,235 | +0.434% | 24 | |
36 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,984 | +0.484% | 23 | |
37 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,129 | +0.532% | 21 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,841 | +0.348% | 21 | |
39 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,483 | +0.495% | 20 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,824 | +0.341% | 111 | |
41 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $2,345 | +0.554% | 63 | |
42 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Sound | Strong | $3,936 | +0.485% | 56 | |
43 | ROSS MORTGAGE COMPANY, INC. | Strong | Sound | Acceptable | Sound | Strong | $1,927 | +0.447% | 53 | |
44 | WASHINGTON TRUST MORTGAGE COMPANY LLC | Strong | Sound | Sound | Acceptable | Strong | $1,329 | +0.213% | 40 | |
45 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,854 | +0.391% | 34 | |
46 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | Sound | $2,030 | +0.399% | 27 | |
47 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $1,550 | +0.338% | 22 | |
48 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,981 | +0.312% | 35 | |
49 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,538 | +0.727% | 30 | |
50 | NORWICH COMMERCIAL GROUP, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,191 | +0.574% | 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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