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 | Exceptional | $969 | -0.871% | 625 | |
2 | HOME FINANCING UNLIMITED, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,474 | -0.579% | 432 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,346 | -0.730% | 276 | |
4 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,381 | -1.022% | 265 | |
5 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,057 | -0.114% | 198 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
7 | UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $3,524 | +0.040% | 755 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
9 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,309 | -0.119% | 208 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,513 | +0.079% | 203 | |
11 | Florida Capital Bank, National Association | Exceptional | Exceptional | Sound | Strong | Strong | $2,160 | +0.024% | 143 | |
12 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,133 | -0.587% | 80 | |
13 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
14 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,900 | +0.237% | 525 | |
15 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,023 | -0.186% | 310 | |
16 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,109 | +0.219% | 298 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
18 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562 | +0.098% | 124 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
22 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,041 | +0.627% | 288 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,371 | +0.171% | 198 | |
24 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
25 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
26 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,094 | +0.164% | 95 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
28 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,355 | -0.003% | 784 | |
29 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,362 | +0.090% | 699 | |
30 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,400 | -0.150% | 304 | |
31 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,623 | +0.162% | 235 | |
32 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,893 | +0.190% | 224 | |
33 | First Bank | Strong | Sound | Strong | Strong | Strong | $3,677 | +0.198% | 146 | |
34 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
35 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617 | -0.604% | 102 | |
36 | TEXAS MORTGAGE LENDING, LLC | Strong | Strong | Sound | Sound | Strong | $2,474 | +0.248% | 71 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
38 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
40 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
42 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
44 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $3,109 | +0.172% | 101 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,199 | +0.289% | 93 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.058% | 88 | |
47 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,294 | +0.665% | 74 | |
48 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,886 | +0.536% | 242 | |
49 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,915 | -0.504% | 121 | |
50 | Amplify | Strong | Sound | Sound | Sound | Strong | $2,358 | +0.125% | 75 |
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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