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 | RESIDENTIAL MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,934 | +0.072% | 1,318 | |
2 | Global Federal Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,581 | +0.097% | 1,017 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,482 | +0.095% | 260 | |
4 | NuVision Federal Credit Union | Exceptional | Exceptional | Sound | Sound | Strong | $3,226 | -0.087% | 71 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $5,652 | -0.096% | 66 | |
6 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,557 | +0.310% | 713 | |
7 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,875 | +0.089% | 184 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,213 | +0.360% | 141 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,952 | -0.382% | 45 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,539 | +0.359% | 409 | |
11 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,793 | +0.074% | 199 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,181 | -0.055% | 177 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,580 | +0.120% | 42 | |
14 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,438 | +0.206% | 36 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,829 | +0.280% | 24 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.068% | 248 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,057 | +0.229% | 138 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,117 | -0.016% | 119 | |
19 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,917 | +0.236% | 97 | |
20 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,589 | +0.035% | 88 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,486 | +0.341% | 36 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $676 | +0.450% | 331 | |
23 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,313 | -0.027% | 45 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,086 | +0.274% | 35 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,202 | -0.013% | 25 | |
26 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,484 | +0.113% | 85 | |
27 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $6,138 | +0.445% | 50 | |
28 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,908 | +0.813% | 23 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,989 | -0.681% | 21 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,459 | +0.083% | 63 | |
31 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,690 | +0.449% | 28 | |
32 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,792 | +0.286% | 24 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,003 | +0.409% | 38 |
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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