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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.384% | 138 | |
2 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,071 | +0.502% | 87 | |
3 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,259 | +0.272% | 71 | |
4 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,549 | +0.685% | 68 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,750 | -0.013% | 48 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,546 | -0.052% | 17 | |
7 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,653 | +0.604% | 94 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,140 | +0.117% | 17 | |
9 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,262 | +0.489% | 49 | |
10 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,449 | +0.340% | 21 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.392% | 17 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,476 | +0.120% | 15 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,000 | +0.325% | 11 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,830 | +0.279% | 11 | |
15 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,442 | +0.428% | 20 | |
16 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,241 | +0.429% | 15 | |
17 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,504 | +0.596% | 12 | |
18 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,687 | +0.807% | 41 | |
19 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $1,411 | +0.531% | 12 |
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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