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