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 | $2,446 | +0.345% | 778 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Strong | Sound | -$7,098 | +0.510% | 20 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,280 | +0.641% | 48 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,979 | +0.344% | 340 | |
5 | NORTHPOINT MORTGAGE, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,775 | +0.407% | 162 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,069 | +0.185% | 61 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $889 | +0.021% | 24 | |
8 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,105 | +0.405% | 642 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645 | +0.283% | 543 | |
10 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,430 | +0.161% | 120 | |
11 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,943 | +0.250% | 60 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.507% | 104 | |
13 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,494 | +0.698% | 84 | |
14 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $3,283 | +0.585% | 22 | |
15 | TOTAL MORTGAGE SERVICES, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,791 | +0.543% | 104 | |
16 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,421 | +0.370% | 31 | |
17 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Sound | $1,903 | +0.437% | 29 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,154 | +0.355% | 160 | |
19 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,537 | +0.356% | 57 | |
20 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $4,524 | +0.397% | 32 | |
21 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $7,053 | +0.120% | 17 | |
22 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,189 | +0.164% | 17 | |
23 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,389 | +0.376% | 14 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,034 | +0.351% | 151 |
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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