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 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,284 | -0.187% | 755 | |
2 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.111% | 474 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,363 | +0.024% | 2,369 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,690 | +0.199% | 2,107 | |
5 | Legacy Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
6 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,039 | +0.285% | 135 | |
7 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,003 | -0.370% | 132 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,874 | +0.329% | 1,585 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,154 | +0.202% | 690 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,895 | +0.426% | 683 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,657 | +0.557% | 583 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,106 | +0.230% | 518 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,483 | -0.014% | 414 | |
14 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,299 | +0.257% | 116 | |
15 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,874 | +0.265% | 99 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,347 | +0.379% | 423 | |
18 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,726 | +0.119% | 270 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,998 | +0.261% | 242 | |
20 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.389% | 207 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,076 | +0.079% | 200 | |
22 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,130 | +0.422% | 193 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,880 | +0.376% | 123 | |
24 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,966 | +0.458% | 112 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | +0.499% | 104 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,197 | +0.287% | 103 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,096 | +0.469% | 85 | |
28 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.400% | 85 | |
29 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.334% | 79 | |
30 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,314 | +0.369% | 449 | |
31 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,478 | +0.289% | 405 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,603 | +0.462% | 280 | |
33 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $3,981 | +0.414% | 226 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,698 | +0.262% | 217 | |
35 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,895 | +0.208% | 175 | |
36 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,230 | +0.270% | 67 | |
37 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,747 | +0.379% | 67 | |
38 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,938 | +0.243% | 66 | |
39 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,135 | +0.425% | 347 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,070 | +0.463% | 270 | |
41 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $5,125 | +0.498% | 133 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $5,214 | +0.301% | 88 | |
43 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $5,030 | +0.496% | 68 | |
44 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Strong | $6,533 | +0.539% | 147 | |
45 | ISERVE RESIDENTIAL LENDING, LLC | Sound | Mediocre | Sound | Sound | Strong | $4,228 | +0.290% | 101 | |
46 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Strong | $5,430 | +0.812% | 78 | |
47 | CASTLE & COOKE MORTGAGE, LLC | Sound | Mediocre | Sound | Acceptable | Strong | $4,685 | +0.294% | 69 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $3,497 | +0.472% | 67 |
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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