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 | Strong | Exceptional | Exceptional | Exceptional | $2,807 | +0.135% | 41,870 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$820 | -0.142% | 8,858 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,308 | +0.142% | 4,046 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,574 | +0.078% | 3,610 | |
5 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,199 | +0.335% | 3,338 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $580 | -0.539% | 1,546 | |
7 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,295 | +0.151% | 598 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,238 | +0.068% | 7,658 | |
9 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,918 | +0.201% | 2,821 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,563 | +0.013% | 2,227 | |
11 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,746 | +0.439% | 1,343 | |
12 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,545 | +0.254% | 1,170 | |
13 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,214 | +0.536% | 683 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524 | +0.036% | 6,417 | |
15 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,442 | +0.279% | 3,591 | |
16 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,725 | +0.420% | 2,887 | |
17 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,818 | +0.246% | 2,514 | |
18 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,852 | +0.324% | 1,883 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,972 | +0.349% | 978 | |
20 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,143 | +0.231% | 754 | |
21 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,357 | +0.170% | 738 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,938 | +0.315% | 637 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,583 | +0.180% | 26,634 | |
24 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $241 | -0.196% | 6,267 | |
25 | OCMBC, INC. | Strong | Sound | Strong | Strong | Exceptional | $3,771 | +0.562% | 4,583 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,558 | +0.295% | 2,476 | |
27 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $4,263 | +0.161% | 882 | |
28 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,344 | +0.432% | 729 | |
29 | STG MORTGAGE INC | Strong | Strong | Strong | Sound | Strong | $2,161 | +0.269% | 707 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,608 | +0.430% | 6,498 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,777 | +0.321% | 3,038 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,493 | +0.251% | 2,398 | |
33 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,902 | +0.361% | 2,371 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,187 | +0.393% | 2,207 | |
35 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,531 | +0.445% | 1,042 | |
36 | JMAC LENDING, INC. | Strong | Sound | Strong | Strong | Strong | $2,937 | +0.365% | 668 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,718 | +0.397% | 1,584 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,283 | +0.164% | 1,418 | |
39 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,745 | +0.185% | 824 | |
40 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,193 | +0.407% | 642 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,461 | +0.438% | 3,541 | |
42 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Exceptional | $4,554 | +0.492% | 1,702 | |
43 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,050 | +0.240% | 842 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,688 | +0.543% | 823 | |
45 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,224 | +0.410% | 662 | |
46 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,287 | +0.424% | 2,962 | |
47 | Commerce Home Mortgage, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $3,381 | +0.445% | 1,617 | |
48 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,892 | +0.624% | 823 | |
49 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Sound | Strong | $4,143 | +0.321% | 800 | |
50 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,059 | +0.528% | 684 |
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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