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 | $2,452 | +0.354% | 1,043 | |
2 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,187 | +0.264% | 349 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,470 | +0.587% | 210 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,742 | +0.106% | 135 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
6 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,264 | +0.295% | 828 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,613 | +0.437% | 193 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.505% | 156 | |
9 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,071 | +0.010% | 122 | |
10 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,758 | +0.603% | 113 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,070 | +0.595% | 85 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,404 | +0.694% | 528 | |
14 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246 | +0.361% | 469 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814 | +0.322% | 230 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,530 | +0.741% | 141 | |
17 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Exceptional | $3,520 | +0.540% | 472 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,425 | +0.628% | 433 | |
19 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,011 | +0.566% | 194 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,777 | +0.611% | 131 | |
21 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,165 | +0.417% | 189 | |
22 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,880 | +0.811% | 131 | |
23 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,283 | +0.662% | 51 | |
24 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Exceptional | $3,268 | +0.813% | 304 | |
25 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Sound | Strong | $3,077 | +0.443% | 158 | |
26 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,750 | +0.787% | 118 | |
27 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,265 | +1.413% | 57 |
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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