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 | $3,688 | +0.229% | 103 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,984 | +0.441% | 4,195 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,015 | +0.282% | 1,490 | |
4 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,680 | +0.317% | 336 | |
5 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,748 | +0.414% | 213 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,763 | +0.361% | 230 | |
7 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991 | +0.660% | 762 | |
8 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.528% | 213 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,032 | +0.575% | 180 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,155 | +0.447% | 136 | |
11 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,333 | +1.026% | 67 | |
12 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,763 | +0.222% | 58 | |
13 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,526 | +0.539% | 277 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,686 | +0.338% | 40 | |
15 | A&D Mortgage LLC | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,322 | +0.892% | 558 | |
16 | Citadel Servicing Corporation | Strong | Mediocre | Exceptional | Strong | Strong | -$1,510 | +1.061% | 128 | |
17 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Strong | Mediocre | Exceptional | Strong | Strong | $6,269 | +1.142% | 111 | |
18 | RELIABLE HOLDINGS MANAGER LLC | Strong | Mediocre | Strong | Exceptional | Strong | $6,091 | +1.159% | 70 | |
19 | CLEAREDGE LENDING LLC | Strong | Mediocre | Exceptional | Strong | Strong | $6,015 | +0.977% | 64 | |
20 | DEEPHAVEN MORTGAGE LLC | Sound | Mediocre | Exceptional | Sound | Strong | $6,591 | +1.231% | 126 | |
21 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $5,927 | +0.517% | 91 | |
22 | NEXERA HOLDING LLC | Sound | Mediocre | Exceptional | Sound | Strong | $5,554 | +0.978% | 85 | |
23 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Strong | Sound | Sound | $5,802 | +1.012% | 49 | |
24 | Logan Finance Corporation | Sound | Mediocre | Exceptional | Strong | Sound | $4,777 | +1.065% | 48 | |
25 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Sound | Sound | $4,443 | +0.431% | 47 | |
26 | HOMEXPRESS MORTGAGE CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $6,070 | +0.891% | 44 | |
27 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $5,808 | +0.828% | 110 | |
28 | FIRST EQUITY MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,682 | +0.618% | 54 | |
29 | ARC HOME LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,728 | +1.039% | 40 |
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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