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 | $3,463 | +0.035% | 2,187 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,484 | +0.162% | 1,905 | |
3 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.225% | 562 | |
4 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,972 | +0.155% | 184 | |
5 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $4,360 | +0.275% | 102 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,707 | -0.026% | 281 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $2,599 | +0.004% | 77 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,531 | +0.326% | 603 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,924 | +0.374% | 476 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,519 | +0.296% | 403 | |
13 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,168 | +0.272% | 362 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,438 | +0.146% | 206 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,197 | +0.283% | 165 | |
17 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,110 | +0.191% | 161 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $4,262 | +0.319% | 156 | |
19 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $5,435 | +0.463% | 140 | |
20 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,430 | +0.188% | 127 | |
21 | MY MOVE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $4,138 | -0.005% | 60 | |
22 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,253 | +0.240% | 1,048 | |
23 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,961 | +0.246% | 482 | |
24 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,613 | +0.172% | 273 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,569 | +0.508% | 153 | |
26 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,926 | +0.230% | 123 | |
27 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Strong | $5,815 | +0.297% | 98 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,074 | +0.218% | 76 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $4,297 | +0.378% | 74 | |
30 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $4,308 | -0.172% | 60 | |
31 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,066 | +0.033% | 57 | |
32 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,507 | +0.400% | 512 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,425 | +0.351% | 502 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $32 | +0.453% | 340 | |
35 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,811 | +0.468% | 199 | |
36 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,051 | +0.514% | 186 | |
37 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,564 | +0.415% | 176 | |
38 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,958 | +0.362% | 172 | |
39 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $5,998 | +0.039% | 141 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,211 | +0.320% | 108 | |
41 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,065 | +0.472% | 80 | |
42 | AXIA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,590 | +0.509% | 139 | |
43 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Sound | Strong | $4,510 | +0.465% | 94 | |
44 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $3,881 | +0.381% | 75 | |
45 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Sound | $7,274 | +0.752% | 69 | |
46 | VERITAS FUNDING, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,268 | +0.409% | 78 | |
47 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | Acceptable | Sound | Strong | $5,437 | +0.472% | 111 |
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