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 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $4,437 | +0.031% | 21 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.216% | 348 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,918 | +0.215% | 164 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $723 | -0.208% | 102 | |
5 | SCHOOLSFIRST | Strong | Strong | Strong | Strong | Sound | $551 | +0.188% | 14 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,709 | +0.403% | 11 | |
7 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,629 | +0.329% | 95 | |
8 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,542 | +0.408% | 46 | |
9 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,762 | +0.420% | 44 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,130 | -0.030% | 18 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,455 | +0.223% | 31 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,372 | +0.468% | 25 | |
13 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $7,019 | +0.309% | 24 | |
14 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,838 | +0.343% | 24 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,335 | +0.283% | 17 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $6,215 | +0.601% | 16 | |
17 | THE GOLDEN 1 | Strong | Sound | Strong | Sound | Sound | $2,255 | +0.117% | 16 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,859 | +0.322% | 15 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $6,170 | +0.513% | 12 | |
20 | PEAK RESIDENTIAL LENDING INC | Strong | Mediocre | Strong | Strong | Exceptional | $4,352 | +0.396% | 134 | |
21 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,900 | +0.398% | 80 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,047 | +0.464% | 17 | |
23 | SIERRA CENTRAL CREDIT UNION | Strong | Sound | Acceptable | Sound | Strong | $945 | +0.297% | 16 | |
24 | Luminate Home Loans, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $5,952 | +0.311% | 16 | |
25 | PREMIER MORTGAGE RESOURCES, L.L.C. | Sound | Mediocre | Exceptional | Strong | Sound | $5,363 | +0.035% | 14 | |
26 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,568 | +0.449% | 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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