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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | $59 | -0.372% | 264 | |
2 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,626 | +0.212% | 682 | |
4 | GMFS LLC | Strong | Sound | Exceptional | Strong | $2,053 | +0.384% | 339 | |
5 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,165 | +0.497% | 225 | |
6 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,306 | +0.295% | 135 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
8 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,082 | +0.436% | 242 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,469 | +0.431% | 197 | |
10 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,776 | +0.319% | 191 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,315 | -0.138% | 161 | |
12 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,744 | +0.658% | 68 | |
13 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $2,729 | +0.589% | 52 | |
14 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $949 | +0.535% | 894 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,882 | +0.448% | 497 | |
16 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,738 | +0.329% | 388 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,457 | +0.538% | 241 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,525 | +0.036% | 217 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,541 | +0.662% | 191 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,201 | +0.412% | 189 | |
21 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $2,850 | +0.490% | 178 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,036 | +0.519% | 178 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,689 | +0.424% | 127 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,365 | +0.400% | 96 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,392 | +0.613% | 476 | |
26 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,513 | +0.586% | 407 | |
27 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | $2,691 | +0.683% | 278 | |
28 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $2,383 | +0.683% | 157 | |
29 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $2,949 | +0.433% | 135 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,354 | +0.414% | 108 | |
31 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,825 | +0.913% | 93 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,697 | +0.264% | 80 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $2,822 | +0.453% | 58 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,217 | +0.703% | 331 | |
35 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,953 | +0.731% | 123 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $4,264 | +0.616% | 82 | |
37 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,683 | +0.348% | 99 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,612 | +1.411% | 91 | |
39 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | $4,851 | +0.991% | 68 | |
40 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,385 | +1.331% | 132 | |
41 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,744 | +1.170% | 87 |
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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