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 | $2,882 | +0.149% | 5,307 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,542 | -0.008% | 199 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,216 | -0.164% | 860 | |
4 | THE LOAN STORE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,913 | +0.074% | 354 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,233 | +0.328% | 57 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,553 | +0.165% | 2,498 | |
8 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,118 | +0.382% | 352 | |
9 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,135 | +0.591% | 85 | |
10 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,126 | +0.096% | 80 | |
11 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,369 | +0.083% | 74 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,384 | +0.260% | 196 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,746 | +0.374% | 136 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,231 | +0.307% | 133 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $3,866 | +0.416% | 700 | |
17 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,218 | +0.221% | 309 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,555 | +0.340% | 276 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,050 | +0.298% | 154 | |
23 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,708 | +0.726% | 122 | |
24 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,673 | +0.219% | 91 | |
25 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,242 | +0.383% | 170 | |
26 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,288 | +0.355% | 129 | |
27 | SCENIC OAKS FUNDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,270 | +0.253% | 105 | |
28 | PACIFIC RESIDENTIAL MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,747 | +0.292% | 79 | |
29 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,641 | +0.303% | 78 | |
30 | PEAK RESIDENTIAL LENDING INC | Strong | Acceptable | Strong | Strong | Strong | $3,805 | +0.246% | 75 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,607 | +0.242% | 74 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,885 | +0.564% | 70 | |
33 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,216 | +0.033% | 59 | |
34 | JMAC LENDING, INC. | Strong | Sound | Strong | Sound | Sound | $3,455 | +0.281% | 56 | |
35 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Sound | $2,326 | +0.125% | 53 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,815 | +0.024% | 142 | |
38 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Strong | $5,188 | +0.298% | 81 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
40 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Strong | Strong | Strong | $3,487 | +0.312% | 119 | |
41 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $4,239 | +0.361% | 59 |
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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