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 | Strong | $1,275 | -0.098% | 494 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,986 | -0.044% | 1,222 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,837 | +0.127% | 669 | |
4 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,554 | +0.341% | 230 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,409 | +0.271% | 6,570 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,912 | +0.163% | 5,958 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,715 | +0.009% | 888 | |
8 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,300 | +0.228% | 347 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,788 | +0.200% | 277 | |
10 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,289 | +0.142% | 171 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,690 | +0.395% | 1,660 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,174 | +0.554% | 1,044 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,060 | +0.233% | 985 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,904 | +0.179% | 932 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,689 | +0.348% | 823 | |
16 | MORTGAGE ASSURANCE, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,903 | +0.160% | 323 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,955 | +0.233% | 320 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,431 | +0.463% | 1,398 | |
19 | TRAILBLAZER MORTGAGE L.L.C. | Strong | Sound | Sound | Sound | Exceptional | $2,369 | -0.491% | 672 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,687 | +0.274% | 626 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,125 | +0.241% | 580 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,006 | +0.495% | 518 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.465% | 435 | |
24 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.456% | 346 | |
25 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,915 | +0.575% | 338 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,348 | +0.552% | 317 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,605 | +0.217% | 274 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,703 | +0.014% | 253 | |
29 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.374% | 231 | |
30 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.743% | 192 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.387% | 183 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,061 | +0.526% | 167 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,759 | +0.286% | 147 | |
34 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $5,347 | +0.833% | 1,199 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,934 | +0.461% | 827 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,881 | +0.306% | 582 | |
37 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,634 | +0.345% | 471 | |
38 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,210 | +0.798% | 469 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,282 | +0.344% | 436 | |
40 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,841 | +0.354% | 353 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,646 | +0.442% | 243 | |
42 | BANKSOUTH MORTGAGE COMPANY, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $4,293 | +0.140% | 893 | |
43 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Strong | Acceptable | Exceptional | $4,962 | +0.053% | 458 | |
44 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,873 | +0.746% | 348 | |
45 | Onward Home Mortgage, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $3,617 | +0.275% | 324 | |
46 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,519 | +0.594% | 304 | |
47 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $5,274 | +0.463% | 283 | |
48 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,147 | +0.152% | 282 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,737 | +0.250% | 291 | |
50 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Strong | Strong | $3,760 | +1.288% | 146 |
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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