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 | $1,875 | +0.444% | 5,055 | |
2 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,472 | +0.561% | 734 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,052 | +0.567% | 421 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $832 | +0.682% | 185 | |
6 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,762 | +0.474% | 177 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
8 | A & N MORTGAGE SERVICES, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,607 | +0.337% | 1,027 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $918 | +0.297% | 493 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744 | +0.649% | 2,058 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,839 | +0.570% | 819 | |
13 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $377 | +0.318% | 717 | |
14 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $334 | +0.503% | 378 | |
15 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,230 | +0.106% | 283 | |
16 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $2,488 | +0.373% | 213 | |
17 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,183 | +0.556% | 141 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
19 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
20 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,272 | +0.312% | 744 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,305 | +0.625% | 659 | |
22 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,264 | +0.341% | 276 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,876 | +0.696% | 166 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557 | +0.504% | 159 | |
25 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,172 | +0.689% | 1,346 | |
26 | PROPER RATE, LLC | Strong | Sound | Sound | Sound | Exceptional | $1,665 | +0.261% | 1,200 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,479 | +0.565% | 675 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,082 | +0.494% | 632 | |
30 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,732 | +0.579% | 537 | |
31 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,496 | +0.649% | 264 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,315 | +0.500% | 263 | |
33 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $1,794 | +0.594% | 234 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,237 | +0.442% | 225 | |
35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,880 | +0.415% | 222 | |
36 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,311 | +0.991% | 200 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,554 | +0.856% | 194 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,617 | +0.414% | 178 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.514% | 153 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,478 | +0.582% | 637 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,694 | +0.399% | 501 | |
43 | UNITED HOME LOANS, INC. | Strong | Acceptable | Sound | Strong | Exceptional | $1,965 | +0.395% | 389 | |
44 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $1,724 | +0.418% | 206 | |
45 | THE ANDERSON FINANCIAL GROUP, INC. | Strong | Sound | Sound | Sound | Strong | $1,259 | +0.461% | 162 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,615 | +0.489% | 361 | |
47 | LEADERONE FINANCIAL CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,265 | +0.650% | 303 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $1,800 | +0.558% | 698 | |
49 | PACOR MORTGAGE CORP. | Sound | Mediocre | Sound | Strong | Strong | $2,610 | +0.607% | 179 |
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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