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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,326 | +0.388% | 389 | |
2 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,527 | -0.049% | 49 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $893 | +0.274% | 27 | |
4 | FIRST WORLD MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,414 | +0.304% | 132 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,367 | +0.688% | 37 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,527 | +0.417% | 398 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,907 | +0.482% | 88 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,800 | +0.506% | 46 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,830 | +0.274% | 42 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,045 | +0.385% | 111 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,521 | +0.366% | 90 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,136 | +0.499% | 85 | |
13 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,539 | +0.313% | 84 | |
14 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,392 | +0.671% | 49 | |
15 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,064 | +0.325% | 15 | |
16 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $3,117 | +0.409% | 14 | |
17 | Bank of England | Strong | Sound | Exceptional | Strong | Sound | $2,857 | +0.492% | 13 | |
18 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,661 | +0.476% | 394 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,350 | +0.463% | 126 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,843 | +0.325% | 98 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,853 | +0.420% | 87 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.325% | 86 | |
23 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $1,610 | +0.311% | 52 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,338 | +0.410% | 49 | |
25 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,591 | +0.467% | 36 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,530 | +0.298% | 24 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,797 | +0.528% | 155 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,435 | +0.678% | 76 | |
29 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,143 | +0.676% | 51 | |
30 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,521 | +0.552% | 29 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,020 | +0.041% | 26 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,305 | +0.140% | 11 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,657 | +0.517% | 58 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,328 | +0.590% | 36 | |
35 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,287 | +0.367% | 36 | |
36 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Strong | Strong | Sound | $5,873 | +0.672% | 17 |
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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