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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $115 | -0.189% | 146 | |
2 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,927 | +0.214% | 354 | |
3 | STANDARD MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Strong | $2,071 | +0.068% | 63 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,992 | +0.380% | 181 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,701 | +0.165% | 172 | |
6 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,925 | +0.420% | 23 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,482 | +0.335% | 21 | |
8 | Filo Mortgage, L.L.C. | Strong | Strong | Strong | Sound | Sound | $2,147 | +0.387% | 10 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.278% | 89 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,557 | +0.163% | 83 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,903 | +0.591% | 79 | |
12 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $3,260 | +0.201% | 66 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,433 | +0.364% | 43 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,418 | -0.218% | 24 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,529 | +0.456% | 69 | |
16 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,365 | +0.312% | 28 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,427 | +0.416% | 25 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,330 | +0.474% | 19 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,201 | +0.333% | 16 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $5,205 | -0.029% | 16 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,909 | +0.452% | 25 | |
22 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $3,037 | +0.514% | 12 | |
23 | America's Mortgage Resource, Inc. | Strong | Sound | Sound | Sound | Sound | $1,430 | +0.359% | 10 |
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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