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 | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,143 | +0.162% | 182 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,787 | +0.205% | 132 | |
3 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,431 | +0.410% | 187 | |
4 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,867 | +0.330% | 66 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,145 | +0.449% | 12 | |
6 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,172 | +0.460% | 117 | |
7 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,731 | +0.524% | 94 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,148 | +0.364% | 40 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,426 | +0.212% | 36 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,595 | +0.415% | 28 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,849 | +0.336% | 28 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,097 | +0.268% | 27 | |
13 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,545 | +0.179% | 26 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,491 | +0.353% | 19 | |
15 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,493 | +0.341% | 16 | |
16 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,360 | +0.180% | 36 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,288 | +0.535% | 14 | |
18 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,772 | +0.704% | 13 | |
19 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,941 | +0.647% | 11 | |
20 | PEAK RESIDENTIAL LENDING INC | Sound | Mediocre | Strong | Strong | Sound | $4,369 | +0.176% | 19 |
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.
Get personalized recommendations based on your specific needs