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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,128 | +0.171% | 816 | |
2 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,469 | +0.005% | 248 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,495 | +0.137% | 397 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,412 | +0.241% | 66 | |
5 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,211 | -0.121% | 63 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $5,142 | +0.316% | 126 | |
7 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,181 | +0.171% | 67 | |
8 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,450 | +0.258% | 47 | |
9 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Sound | $1,460 | +0.218% | 36 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,040 | +0.203% | 32 | |
11 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Sound | $1,251 | +0.296% | 21 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,199 | +0.490% | 175 | |
13 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,352 | +0.253% | 72 | |
14 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,060 | +0.232% | 53 | |
15 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $4,937 | +0.624% | 52 | |
16 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $6,043 | +0.119% | 32 | |
17 | STG MORTGAGE INC | Strong | Sound | Sound | Sound | $2,096 | +0.114% | 20 | |
18 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $6,263 | +0.459% | 103 | |
19 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $4,508 | +0.251% | 102 | |
20 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,507 | +0.255% | 80 | |
21 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $5,019 | +0.680% | 72 | |
22 | Sierra Pacific Mortgage Company, Inc. | Sound | Acceptable | Strong | Sound | $4,797 | +0.215% | 36 | |
23 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $2,792 | +0.701% | 36 | |
24 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,805 | -0.031% | 32 | |
25 | Commerce Home Mortgage, Inc. | Sound | Acceptable | Strong | Sound | $2,823 | +0.464% | 30 | |
26 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,722 | +0.425% | 21 | |
27 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $6,365 | +0.667% | 43 | |
28 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Strong | $5,401 | +0.519% | 39 | |
29 | MASON MCDUFFIE MORTGAGE CORPORATION | Sound | Acceptable | Sound | Sound | $4,320 | +0.414% | 22 | |
30 | ALAMEDA MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | $4,230 | +0.620% | 21 |
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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