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