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 | $3,709 | +0.246% | 1,664 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,923 | +0.275% | 818 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,549 | +0.280% | 87 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $4,522 | +0.204% | 71 | |
5 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,563 | +0.490% | 61 | |
6 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,961 | +0.295% | 784 | |
7 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,876 | +0.296% | 290 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,470 | +0.192% | 165 | |
9 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Strong | $5,649 | +0.539% | 43 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $5,377 | +0.470% | 43 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,891 | +0.368% | 183 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,650 | +0.098% | 175 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,760 | +0.285% | 107 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,385 | +0.571% | 84 | |
15 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,863 | +0.074% | 72 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,088 | +0.406% | 63 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,234 | +0.149% | 62 | |
18 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,229 | +0.608% | 654 | |
19 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,336 | +0.399% | 331 | |
20 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $6,582 | +0.428% | 109 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,960 | +0.467% | 47 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,551 | +0.196% | 42 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $5,448 | +0.398% | 40 | |
24 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,498 | +0.465% | 39 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,223 | +0.461% | 39 | |
26 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,553 | +0.765% | 29 | |
27 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,936 | +0.214% | 27 | |
28 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $2,987 | +0.255% | 25 | |
29 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,673 | +0.472% | 91 | |
30 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $4,774 | +0.373% | 88 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,959 | +0.863% | 72 | |
32 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,685 | +0.182% | 64 | |
33 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,661 | +0.238% | 56 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,200 | +0.430% | 53 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,421 | +0.643% | 48 | |
36 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $3,741 | +0.608% | 31 | |
37 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,907 | +0.009% | 23 | |
38 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Strong | $3,073 | +0.301% | 52 | |
39 | BAY-VALLEY MORTGAGE GROUP | Sound | Acceptable | Sound | Sound | Strong | $6,049 | +0.480% | 47 | |
40 | SUN WEST MORTGAGE COMPANY, INC. | Sound | Acceptable | Strong | Sound | Sound | $5,882 | +0.016% | 38 | |
41 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | Sound | $4,208 | +0.727% | 36 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $5,109 | +0.976% | 27 | |
43 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Sound | $2,989 | +0.475% | 21 | |
44 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $4,953 | +0.920% | 48 | |
45 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Sound | $5,562 | +1.191% | 26 | |
46 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Acceptable | Sound | $1,717 | +0.476% | 26 | |
47 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Sound | $5,563 | +0.954% | 45 |
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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