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 | RESIDENTIAL MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,934 | +0.072% | 1,318 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,482 | +0.095% | 260 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,213 | +0.360% | 141 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,057 | +0.229% | 138 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,072 | +0.199% | 50 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,539 | +0.359% | 409 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,635 | +0.068% | 248 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $5,181 | -0.055% | 177 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,117 | -0.016% | 119 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $5,652 | -0.096% | 66 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,952 | -0.382% | 45 | |
12 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,557 | +0.310% | 713 | |
13 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $676 | +0.450% | 331 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,875 | +0.089% | 184 | |
15 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,589 | +0.035% | 88 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,486 | +0.341% | 36 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $4,086 | +0.274% | 35 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,989 | -0.681% | 21 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,459 | +0.083% | 63 | |
20 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,213 | +0.339% | 32 | |
21 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $4,202 | -0.013% | 25 | |
22 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $4,133 | +0.344% | 24 | |
23 | KIND LENDING, LLC | Sound | Acceptable | Strong | Sound | $3,829 | +0.280% | 24 | |
24 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $4,484 | +0.113% | 85 | |
25 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $6,138 | +0.445% | 50 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,003 | +0.409% | 38 | |
27 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Sound | $4,313 | -0.027% | 45 | |
28 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | $4,690 | +0.449% | 28 | |
29 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $2,792 | +0.286% | 24 | |
30 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,908 | +0.813% | 23 |
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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