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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,389 | -0.656% | 462 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,683 | +0.259% | 300 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
4 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.126% | 643 | |
5 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $376 | -0.063% | 591 | |
6 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $4,156 | +0.126% | 214 | |
7 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $302 | -0.620% | 167 | |
8 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Exceptional | $4,450 | +0.340% | 1,257 | |
9 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
10 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,916 | -0.050% | 470 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,015 | -0.517% | 397 | |
12 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Strong | $3,714 | +0.203% | 180 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,176 | +0.050% | 1,968 | |
14 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,727 | -0.062% | 1,526 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,536 | +0.118% | 1,267 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,270 | +0.236% | 1,138 | |
17 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,488 | +0.128% | 642 | |
18 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,279 | -0.072% | 631 | |
19 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,721 | +0.006% | 628 | |
20 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,260 | +0.117% | 618 | |
21 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
22 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $1,040 | -0.156% | 309 | |
23 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,164 | +0.350% | 288 | |
24 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $433 | +0.360% | 184 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,647 | +0.829% | 156 | |
26 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,365 | +1.041% | 153 | |
27 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
28 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,364 | +0.163% | 669 | |
29 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,376 | +0.363% | 584 | |
30 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,250 | +0.306% | 283 | |
31 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $2,908 | +0.268% | 237 | |
32 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,601 | +0.249% | 190 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,305 | +0.379% | 1,139 | |
35 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
36 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,340 | +0.351% | 353 | |
37 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,486 | +0.156% | 323 | |
38 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $3,591 | +0.444% | 251 | |
39 | First Bank | Strong | Sound | Strong | Exceptional | Strong | $3,821 | +0.255% | 230 | |
40 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.101% | 213 | |
41 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,470 | +0.295% | 170 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,812 | +0.062% | 167 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,632 | +0.209% | 163 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393 | +0.388% | 910 | |
46 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,872 | +0.320% | 837 | |
47 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,971 | +0.674% | 172 | |
48 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,695 | +0.445% | 1,083 | |
49 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | 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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