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 | $3,143 | +0.162% | 182 | |
2 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,431 | +0.410% | 187 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,787 | +0.205% | 132 | |
4 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $3,172 | +0.460% | 117 | |
5 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $5,216 | +0.352% | 31 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Strong | Exceptional | Strong | Acceptable | $3,492 | +0.377% | 11 | |
7 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,867 | +0.330% | 66 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,545 | +0.179% | 26 | |
9 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,731 | +0.524% | 94 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,148 | +0.364% | 40 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,595 | +0.415% | 28 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,097 | +0.268% | 27 | |
13 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,493 | +0.341% | 16 | |
14 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,360 | +0.180% | 36 | |
15 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,772 | +0.704% | 13 |
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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