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 | $3,705 | +0.264% | 401 | |
2 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $2,096 | +0.248% | 24 | |
3 | EDUCATIONAL EMPLOYEES CREDIT UNION | Strong | Exceptional | Sound | Sound | $21 | -0.680% | 22 | |
4 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $3,003 | +0.267% | 49 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,993 | +0.347% | 252 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $4,258 | +0.135% | 157 | |
7 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $6,088 | +0.635% | 60 | |
8 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $4,374 | +0.329% | 58 | |
9 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Sound | $5,438 | +0.447% | 28 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $1,858 | +0.166% | 21 | |
11 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Exceptional | $4,089 | +0.316% | 255 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $3,349 | +0.395% | 44 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,265 | +0.296% | 36 | |
14 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $5,600 | +0.265% | 415 | |
15 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $5,396 | +0.474% | 207 | |
16 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $4,274 | +0.491% | 75 | |
17 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $4,736 | +0.617% | 52 | |
18 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $7,302 | +0.568% | 50 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Sound | $5,577 | +0.505% | 27 | |
20 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $5,523 | +0.452% | 26 | |
21 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Sound | $6,426 | +0.910% | 24 | |
22 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Exceptional | Sound | $4,560 | +0.264% | 23 | |
23 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $4,474 | +0.327% | 66 | |
24 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $3,924 | +0.482% | 66 | |
25 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,884 | +0.888% | 33 | |
26 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $3,706 | +0.318% | 29 | |
27 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $3,625 | +0.520% | 24 | |
28 | CLM MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,910 | +0.271% | 23 | |
29 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $5,839 | +0.283% | 21 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,905 | +0.618% | 21 | |
31 | PACIFIC LENDING LLC | Sound | Mediocre | Strong | Strong | $6,242 | +0.581% | 77 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | $7,079 | +0.608% | 23 |
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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