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 | Exceptional | Exceptional | $115 | -0.189% | 146 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,701 | +0.165% | 172 | |
3 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,927 | +0.214% | 354 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $528 | -0.524% | 56 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,557 | +0.163% | 83 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,355 | +0.278% | 89 | |
7 | STANDARD MORTGAGE CORPORATION | Exceptional | Strong | Strong | Strong | Strong | $2,071 | +0.068% | 63 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,418 | -0.218% | 24 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,992 | +0.380% | 181 | |
10 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,633 | -0.225% | 17 | |
11 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $3,260 | +0.201% | 66 | |
12 | Gulf Coast Bank and Trust Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,784 | +0.275% | 136 | |
13 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Exceptional | $3,377 | +0.325% | 136 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,903 | +0.591% | 79 | |
15 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,529 | +0.456% | 69 | |
16 | AmRes Corporation | Sound | Mediocre | Strong | Strong | Sound | $1,506 | +0.035% | 13 |
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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