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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | $115 | -0.189% | 146 | |
2 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | $1,927 | +0.214% | 354 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,701 | +0.165% | 172 | |
4 | STANDARD MORTGAGE CORPORATION | Strong | Strong | Sound | Strong | $2,071 | +0.068% | 63 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,992 | +0.380% | 181 | |
6 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,557 | +0.163% | 83 | |
7 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $3,260 | +0.201% | 66 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,355 | +0.278% | 89 | |
9 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,433 | +0.364% | 43 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $3,418 | -0.218% | 24 | |
11 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $4,482 | +0.335% | 21 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,903 | +0.591% | 79 | |
13 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Sound | $3,365 | +0.312% | 28 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $3,427 | +0.416% | 25 | |
15 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,925 | +0.420% | 23 | |
16 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,529 | +0.456% | 69 | |
17 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $2,277 | +0.944% | 21 | |
18 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,909 | +0.452% | 25 |
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.
Get personalized recommendations based on your specific needs