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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,393 | +0.140% | 455 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,463 | +0.035% | 2,187 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,484 | +0.162% | 1,905 | |
4 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,531 | +0.326% | 603 | |
5 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,519 | +0.296% | 403 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,707 | -0.026% | 281 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,881 | +0.300% | 1,149 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $4,360 | +0.225% | 562 | |
9 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,961 | +0.246% | 482 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,924 | +0.374% | 476 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,635 | +0.379% | 231 | |
12 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,197 | +0.283% | 165 | |
13 | EVERGREEN MONEYSOURCE MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,507 | +0.400% | 512 | |
14 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $5,425 | +0.351% | 502 | |
15 | BLUEBIRD HOME LOANS, LLC | Sound | Mediocre | — | 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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