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