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 | $3,709 | +0.246% | 1,664 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $4,522 | +0.204% | 71 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,234 | +0.149% | 62 | |
4 | KIND LENDING, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,961 | +0.295% | 784 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,470 | +0.192% | 165 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,183 | +0.093% | 71 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,923 | +0.275% | 818 | |
8 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $6,582 | +0.428% | 109 | |
9 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,760 | +0.285% | 107 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,549 | +0.280% | 87 | |
11 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,590 | +0.322% | 70 | |
12 | THE GOLDEN 1 | Strong | Strong | Strong | Sound | Strong | $964 | +0.324% | 63 | |
13 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $2,661 | +0.238% | 56 | |
14 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $5,649 | +0.539% | 43 | |
15 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $4,936 | +0.214% | 27 | |
16 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,876 | +0.296% | 290 | |
17 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,863 | +0.074% | 72 | |
18 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,907 | +0.009% | 23 | |
19 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,229 | +0.608% | 654 | |
20 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,336 | +0.399% | 331 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,891 | +0.368% | 183 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,650 | +0.098% | 175 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,385 | +0.571% | 84 | |
24 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,685 | +0.182% | 64 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,563 | +0.490% | 61 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,200 | +0.430% | 53 | |
27 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Strong | $3,073 | +0.301% | 52 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $5,448 | +0.398% | 40 | |
29 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $1,717 | +0.476% | 26 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,673 | +0.472% | 91 | |
31 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,953 | +0.920% | 48 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,563 | +0.954% | 45 | |
33 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,377 | +0.470% | 43 | |
34 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,551 | +0.196% | 42 | |
35 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,498 | +0.465% | 39 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,223 | +0.461% | 39 | |
37 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,882 | +0.016% | 38 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,774 | +0.373% | 88 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,088 | +0.406% | 63 | |
40 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Sound | $4,208 | +0.727% | 36 | |
41 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,741 | +0.608% | 31 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,109 | +0.976% | 27 | |
43 | BAY-VALLEY MORTGAGE GROUP | Sound | Mediocre | Strong | Strong | Strong | $6,049 | +0.480% | 47 | |
44 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,960 | +0.467% | 47 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,553 | +0.765% | 29 | |
46 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,421 | +0.643% | 48 |
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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