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