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 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $3,185 | -0.053% | 10 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,707 | +0.220% | 349 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,380 | +0.267% | 160 | |
4 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $3,886 | +0.127% | 70 | |
5 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $6,050 | +0.490% | 102 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,040 | +0.091% | 32 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,904 | +0.555% | 15 | |
8 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $4,584 | +0.328% | 11 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $2,257 | -0.015% | 10 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,612 | +0.529% | 55 | |
11 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,490 | +0.393% | 46 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $6,018 | +0.393% | 44 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,294 | +0.315% | 44 | |
14 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,140 | +0.311% | 43 | |
15 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $6,991 | +0.571% | 33 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,228 | +0.115% | 21 | |
17 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,464 | +0.831% | 47 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $6,994 | +0.240% | 28 | |
19 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,946 | +0.510% | 25 | |
20 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,870 | +0.232% | 21 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $6,062 | +0.509% | 21 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,275 | +0.424% | 19 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,144 | +0.252% | 16 | |
24 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $4,878 | +0.377% | 16 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,529 | +0.719% | 14 | |
26 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,502 | +0.855% | 11 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,305 | +0.244% | 53 | |
28 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,772 | +0.461% | 36 | |
29 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Sound | $6,227 | +0.340% | 19 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,158 | +0.589% | 13 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,899 | +0.333% | 11 | |
32 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $5,121 | +0.356% | 13 | |
33 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,577 | +0.519% | 37 | |
34 | LAND HOME FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,461 | +0.732% | 19 | |
35 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $4,726 | +0.477% | 27 | |
36 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Sound | $9,733 | +0.904% | 11 |
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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