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 | $2,274 | -0.046% | 4,837 | |
2 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | -$683 | -0.220% | 870 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,368 | -0.133% | 315 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,235 | -0.088% | 526 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $2,930 | +0.169% | 54 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,490 | +0.123% | 2,283 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,329 | +0.080% | 408 | |
8 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,718 | +0.225% | 335 | |
9 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,080 | +0.221% | 272 | |
10 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,740 | +0.185% | 165 | |
11 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,474 | +0.131% | 122 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,782 | +0.155% | 341 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,217 | +0.286% | 328 | |
14 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,930 | +0.191% | 142 | |
15 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $2,985 | +0.143% | 77 | |
16 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $1,442 | -0.072% | 58 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,743 | +0.065% | 382 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,339 | +0.059% | 369 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,585 | +0.251% | 216 | |
20 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,554 | +0.203% | 202 | |
21 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,339 | +0.445% | 175 | |
22 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,789 | +0.457% | 168 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,270 | +0.263% | 160 | |
24 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,911 | +0.045% | 147 | |
25 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,843 | +0.164% | 128 | |
26 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,476 | +0.238% | 121 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,385 | +0.248% | 118 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,484 | +0.254% | 105 | |
29 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,221 | +0.063% | 81 | |
30 | Hometown Equity Mortgage, LLC | Strong | Sound | Strong | Sound | Strong | $3,111 | +0.515% | 81 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,745 | +0.363% | 1,029 | |
32 | POINT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,002 | -0.050% | 207 | |
33 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,336 | +0.157% | 161 | |
34 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,673 | +0.425% | 155 | |
35 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,736 | +0.170% | 109 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,029 | +0.235% | 81 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,904 | +0.426% | 78 | |
38 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,862 | +0.861% | 67 | |
39 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,952 | +0.115% | 61 | |
40 | MORTGAGEONE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,338 | +0.276% | 58 | |
41 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $3,766 | +0.514% | 137 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,836 | +0.152% | 116 | |
43 | AXIA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,157 | +0.101% | 67 | |
44 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,873 | -0.063% | 50 | |
45 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,685 | +0.448% | 186 | |
46 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Strong | Strong | $4,117 | +0.248% | 72 |
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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