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 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,702 | +0.428% | 45 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,671 | +0.148% | 150 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,821 | +0.273% | 104 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,143 | +0.270% | 71 | |
6 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,841 | +0.525% | 40 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,979 | +0.247% | 523 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,703 | +0.323% | 144 | |
9 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,015 | +0.289% | 137 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Acceptable | $3,145 | +0.014% | 10 | |
11 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,171 | +0.447% | 104 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.313% | 70 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.233% | 62 | |
14 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,134 | +0.357% | 50 | |
15 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,915 | +0.881% | 20 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,891 | +0.474% | 161 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.136% | 24 | |
18 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,931 | +1.392% | 10 | |
19 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,478 | +0.250% | 148 | |
20 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,910 | +0.650% | 39 | |
21 | RADIUS FINANCIAL GROUP INC. | Sound | Mediocre | Strong | Strong | Sound | $4,720 | +0.589% | 17 |
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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