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 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,679 | +0.124% | 177 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,882 | +0.149% | 5,307 | |
3 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,553 | +0.165% | 2,498 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,216 | -0.164% | 860 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,913 | +0.074% | 354 | |
6 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,618 | +0.157% | 186 | |
7 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,396 | +0.269% | 181 | |
8 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $4,231 | +0.307% | 133 | |
9 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,281 | +0.276% | 828 | |
10 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,761 | +0.268% | 701 | |
11 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,050 | +0.298% | 154 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,785 | +0.367% | 341 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,746 | +0.374% | 136 | |
14 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,118 | +0.382% | 352 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,288 | +0.322% | 315 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Strong | $3,555 | +0.340% | 276 | |
17 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,866 | +0.416% | 700 | |
18 | ALAMEDA MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,242 | +0.383% | 170 | |
19 | OCMBC, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,708 | +0.726% | 122 | |
20 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Sound | 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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