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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,848 | +0.234% | 691 | |
2 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $2,829 | +0.254% | 47 | |
3 | DIRECTIONS EQUITY, LLC | Strong | Sound | Exceptional | Strong | $5,301 | +0.368% | 29 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,145 | +0.211% | 445 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $4,385 | +0.399% | 139 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,526 | +0.026% | 119 | |
7 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $4,185 | +0.157% | 115 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,815 | -0.109% | 35 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,719 | +0.500% | 219 | |
10 | KIND LENDING, LLC | Strong | Acceptable | Strong | Exceptional | $2,912 | +0.383% | 170 | |
11 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Exceptional | $5,527 | +0.430% | 140 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $6,154 | +0.462% | 112 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $4,326 | +0.223% | 37 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,579 | +0.002% | 33 | |
15 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,565 | +0.406% | 232 | |
16 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $5,870 | +0.377% | 113 | |
17 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,282 | +0.393% | 64 | |
18 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $5,062 | +0.704% | 51 | |
19 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $4,155 | +0.343% | 50 | |
20 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,510 | -0.067% | 35 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $4,002 | +0.384% | 32 | |
22 | THE GOLDEN 1 | Strong | Sound | Sound | Sound | $1,613 | +0.089% | 26 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $4,379 | +0.424% | 24 | |
24 | GOLDEN EMPIRE MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $7,302 | +0.515% | 62 | |
25 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,643 | +0.425% | 40 | |
26 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $5,809 | +0.163% | 33 | |
27 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,846 | +0.542% | 23 | |
28 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $3,961 | +0.509% | 32 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $3,801 | +0.656% | 24 | |
30 | FlexPoint, Inc. | Sound | Mediocre | Sound | Strong | $3,518 | +0.431% | 66 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $7,366 | +0.610% | 22 |
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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