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 | $2,391 | +0.184% | 202 | |
2 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,582 | +0.447% | 91 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,441 | -0.019% | 31 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,075 | +0.285% | 30 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,835 | +0.373% | 408 | |
6 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,440 | +0.462% | 396 | |
7 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,357 | +0.453% | 242 | |
8 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,622 | +0.584% | 168 | |
9 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,188 | -0.069% | 20 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,255 | -0.097% | 20 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,219 | +0.742% | 48 | |
12 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,249 | +0.335% | 39 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,337 | +0.221% | 29 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,602 | +0.502% | 123 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,984 | +0.395% | 69 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,746 | +0.322% | 62 | |
17 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,112 | +0.394% | 53 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,012 | +0.727% | 39 | |
19 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,776 | +0.538% | 21 | |
20 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $3,032 | +0.472% | 18 | |
21 | Integrity Home Mortgage Corporation | Strong | Acceptable | Exceptional | Strong | Sound | $2,889 | +0.771% | 31 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,701 | +0.461% | 18 | |
23 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,468 | +0.641% | 13 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | -$1,438 | +0.086% | 10 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,299 | +0.489% | 31 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $5,178 | +0.746% | 26 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,698 | +0.803% | 22 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,817 | -0.475% | 10 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,699 | +0.691% | 28 |
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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