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 | $2,754 | +0.202% | 787 | |
2 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,975 | +0.024% | 229 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,965 | -0.005% | 124 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,403 | +0.050% | 115 | |
5 | AMERANT MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,306 | +0.152% | 53 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
7 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,352 | +0.194% | 505 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,309 | +0.351% | 393 | |
9 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $1,582 | +0.674% | 100 | |
10 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,567 | +0.197% | 45 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,462 | +0.147% | 464 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,488 | +0.215% | 455 | |
14 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,945 | +0.063% | 188 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,092 | +0.340% | 133 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,167 | +0.428% | 79 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,635 | +0.535% | 79 | |
18 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,985 | +0.225% | 74 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $609 | +0.261% | 71 | |
20 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $812 | +0.025% | 51 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,690 | +0.339% | 356 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.174% | 224 | |
23 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Exceptional | Strong | $3,045 | +0.309% | 106 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,085 | +0.274% | 776 | |
25 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,614 | +0.436% | 185 | |
26 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,580 | +0.454% | 94 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,426 | -0.119% | 70 | |
28 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,553 | +0.022% | 60 | |
29 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,049 | +0.300% | 47 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,960 | +0.387% | 39 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $1,983 | +0.218% | 38 | |
32 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $3,462 | +0.359% | 35 | |
33 | RADIUS FINANCIAL GROUP INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,037 | +0.495% | 253 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,538 | +0.298% | 104 | |
35 | MORTGAGE EQUITY PARTNERS LLC | Sound | Mediocre | Strong | Strong | Strong | $3,493 | +0.453% | 107 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,446 | +0.468% | 86 | |
37 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,854 | +0.406% | 34 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,355 | +0.442% | 33 | |
39 | NATIONS RELIABLE LENDING, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,941 | +0.261% | 33 |
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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