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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $165 | -0.216% | 1,233 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $376 | -0.063% | 591 | |
3 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Sound | Sound | Exceptional | $1,049 | -0.126% | 643 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,270 | +0.236% | 1,138 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
8 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,389 | -0.656% | 462 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,035 | +0.196% | 233 | |
10 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,812 | +0.062% | 167 | |
11 | FIRST CONTINENTAL MORTGAGE, LTD. | Strong | Exceptional | Acceptable | Sound | Strong | $302 | -0.620% | 167 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,632 | +0.209% | 163 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,727 | -0.062% | 1,526 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,305 | +0.379% | 1,139 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393 | +0.388% | 910 | |
19 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872 | +0.320% | 837 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364 | +0.163% | 669 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,721 | +0.006% | 628 | |
22 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,438 | +0.078% | 360 | |
23 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,683 | +0.259% | 300 | |
24 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Strong | Strong | Strong | $3,406 | -0.213% | 231 | |
25 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $433 | +0.360% | 184 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
27 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,488 | +0.128% | 642 | |
28 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,260 | +0.117% | 618 | |
29 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,451 | +0.340% | 395 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.440% | 368 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,058 | +0.020% | 294 | |
34 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,164 | +0.350% | 288 | |
35 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,250 | +0.306% | 283 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.249% | 190 | |
37 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,948 | +0.183% | 178 | |
38 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,725 | +0.150% | 175 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,647 | +0.829% | 156 | |
40 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,376 | +0.453% | 1,549 | |
41 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,695 | +0.445% | 1,083 | |
42 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,612 | +0.542% | 386 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,340 | +0.351% | 353 | |
44 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Strong | $4,359 | +0.396% | 345 | |
45 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,170 | +0.101% | 213 | |
46 | AML FUNDING LLC | Strong | Sound | Sound | Sound | Strong | $2,207 | +0.256% | 194 | |
47 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,623 | +0.356% | 193 | |
48 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,849 | +0.370% | 191 | |
49 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,365 | +1.041% | 153 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,348 | +0.365% | 463 |
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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