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