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 | $3,705 | +0.264% | 401 | |
2 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,096 | +0.248% | 24 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,349 | +0.395% | 44 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,993 | +0.347% | 252 | |
5 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,274 | +0.491% | 75 | |
6 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $6,088 | +0.635% | 60 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,374 | +0.329% | 58 | |
8 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $3,003 | +0.267% | 49 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,265 | +0.296% | 36 | |
10 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $5,523 | +0.452% | 26 | |
11 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,089 | +0.316% | 255 | |
12 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $4,474 | +0.327% | 66 | |
13 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $5,438 | +0.447% | 28 | |
14 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $6,426 | +0.910% | 24 | |
15 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Sound | $2,910 | +0.271% | 23 | |
16 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,600 | +0.265% | 415 | |
17 | ALAMEDA MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $5,396 | +0.474% | 207 | |
18 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $7,302 | +0.568% | 50 | |
19 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,924 | +0.482% | 66 | |
20 | RESIDENTIAL WHOLESALE MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,736 | +0.617% | 52 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,577 | +0.505% | 27 | |
22 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,625 | +0.520% | 24 | |
23 | COASTAL FUNDING SLC, INC. | Strong | Acceptable | Strong | Exceptional | Sound | $4,560 | +0.264% | 23 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,839 | +0.283% | 21 | |
25 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,833 | +0.852% | 16 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $3,388 | +0.590% | 13 | |
27 | PACIFIC LENDING LLC | Strong | Mediocre | Strong | Exceptional | Strong | $6,242 | +0.581% | 77 | |
28 | FlexPoint, Inc. | Strong | Acceptable | Strong | Strong | Sound | $4,573 | +0.677% | 12 | |
29 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,744 | +1.272% | 11 | |
30 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $4,871 | +0.037% | 10 | |
31 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,884 | +0.888% | 33 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $7,079 | +0.608% | 23 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,905 | +0.618% | 21 | |
34 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,450 | +0.426% | 17 |
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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