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 | Strong | $1,786 | +0.335% | 228 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,094 | +0.370% | 39 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,806 | +0.476% | 421 | |
4 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,977 | +0.572% | 98 | |
5 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,721 | +0.514% | 62 | |
6 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $2,335 | +0.442% | 46 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,431 | -0.190% | 26 | |
8 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $1,605 | +0.528% | 25 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,632 | +0.449% | 60 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,666 | +0.701% | 32 | |
11 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,762 | +0.667% | 227 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,540 | +0.491% | 155 | |
13 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,794 | +0.716% | 89 | |
14 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,647 | +0.387% | 25 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,235 | +0.665% | 24 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,666 | +0.806% | 23 | |
17 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | -$519 | +0.591% | 139 | |
18 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,833 | +1.063% | 17 | |
19 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,235 | +0.875% | 20 | |
20 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,650 | +1.005% | 12 | |
21 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,097 | +0.565% | 49 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,058 | +0.524% | 33 | |
23 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,986 | +0.378% | 26 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,212 | +0.878% | 42 |
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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