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 | $3,128 | +0.171% | 816 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,469 | +0.005% | 248 | |
3 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,211 | -0.121% | 63 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $2,040 | +0.203% | 32 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,495 | +0.137% | 397 | |
6 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,352 | +0.253% | 72 | |
7 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,060 | +0.232% | 53 | |
8 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,507 | +0.255% | 80 | |
9 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $1,460 | +0.218% | 36 | |
10 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Sound | $4,364 | +0.231% | 16 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,142 | +0.316% | 126 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,181 | +0.171% | 67 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,412 | +0.241% | 66 | |
14 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,937 | +0.624% | 52 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,450 | +0.258% | 47 | |
16 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,401 | +0.519% | 39 | |
17 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,043 | +0.119% | 32 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,814 | +0.378% | 18 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $6,263 | +0.459% | 103 | |
20 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,019 | +0.680% | 72 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,797 | +0.215% | 36 | |
22 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,792 | +0.701% | 36 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,722 | +0.425% | 21 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,565 | +0.350% | 11 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,199 | +0.490% | 175 | |
26 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $6,365 | +0.667% | 43 | |
27 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,320 | +0.414% | 22 | |
28 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Exceptional | Sound | Sound | $5,384 | +0.533% | 15 | |
29 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Sound | $7,048 | +0.759% | 15 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,508 | +0.251% | 102 | |
31 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,805 | -0.031% | 32 | |
32 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,473 | +0.486% | 13 | |
33 | HOME MORTGAGE ALLIANCE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,906 | +0.034% | 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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