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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,164 | +0.008% | 1,119 | |
2 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,825 | +0.251% | 98 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,431 | +0.118% | 845 | |
4 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,911 | +0.278% | 719 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,903 | +0.194% | 336 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,229 | +0.114% | 315 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,731 | +0.006% | 185 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $2,596 | -0.016% | 57 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,488 | +0.304% | 430 | |
10 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Exceptional | $5,006 | +0.213% | 350 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,019 | +0.289% | 324 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,871 | +0.203% | 179 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $4,530 | +0.107% | 173 | |
14 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $3,249 | +0.167% | 131 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,738 | +0.285% | 67 | |
16 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $4,461 | +0.276% | 59 | |
17 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Sound | $4,273 | +0.031% | 48 | |
18 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Exceptional | $6,070 | +0.458% | 332 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,918 | +0.342% | 150 | |
20 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $5,998 | +0.039% | 141 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,721 | +0.159% | 81 | |
22 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,993 | +0.269% | 80 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,958 | +0.357% | 46 | |
24 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Strong | Exceptional | $5,507 | +0.194% | 570 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $5,493 | +0.308% | 306 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,965 | +0.452% | 89 | |
27 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Strong | $4,366 | +0.472% | 85 | |
28 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $7,285 | +0.728% | 67 | |
29 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,780 | -0.023% | 58 | |
30 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $3,833 | +0.123% | 34 | |
31 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $3,162 | -0.132% | 29 | |
32 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,974 | -0.075% | 27 | |
33 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Strong | $4,993 | +0.354% | 155 | |
34 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,226 | +0.415% | 109 | |
35 | SUMMIT FUNDING, INC. | Sound | Mediocre | Exceptional | Sound | $6,185 | +0.321% | 50 | |
36 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Sound | $2,981 | +0.438% | 43 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $3,762 | +0.262% | 33 | |
38 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | Sound | Strong | $5,329 | +0.517% | 95 | |
39 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Sound | $4,806 | +0.335% | 38 | |
40 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $4,828 | +0.127% | 33 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $5,611 | +0.315% | 31 | |
42 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | Sound | $6,186 | +0.386% | 37 |
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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