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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $969 | -0.871% | 625 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $1,381 | -1.022% | 265 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Exceptional | $1,346 | -0.730% | 276 | |
4 | AAXY L.L.C. | Exceptional | Exceptional | Strong | Strong | -$449 | -0.504% | 139 | |
5 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Strong | $1,084 | -0.380% | 135 | |
6 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | Strong | Exceptional | $2,474 | -0.579% | 432 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $379 | -0.220% | 287 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
9 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $3,057 | -0.114% | 198 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,639 | +0.080% | 295 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $1,690 | -0.155% | 1,568 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
15 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
16 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $1,041 | +0.627% | 288 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,040 | -0.074% | 270 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,513 | +0.079% | 203 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $1,493 | +0.098% | 179 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,951 | -0.005% | 150 | |
21 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | $3,362 | +0.090% | 699 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,230 | +0.293% | 328 | |
23 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $6,023 | -0.186% | 310 | |
24 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $3,400 | -0.150% | 304 | |
25 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $3,109 | +0.219% | 298 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,883 | +0.150% | 286 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,748 | +0.170% | 169 | |
28 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,562 | +0.098% | 124 | |
29 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,191 | -0.101% | 106 | |
30 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,617 | -0.604% | 102 | |
31 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Sound | Strong | $3,467 | -0.372% | 79 | |
32 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Strong | $2,474 | +0.248% | 71 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,300 | +1.249% | 266 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,700 | +0.420% | 216 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,074 | +0.167% | 188 | |
36 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $4,665 | +0.355% | 188 | |
37 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,218 | +0.268% | 179 | |
38 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,638 | +0.293% | 171 | |
39 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,417 | +0.234% | 166 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,692 | +0.173% | 127 | |
41 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | $3,915 | -0.504% | 121 | |
42 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,199 | +0.289% | 93 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,847 | +0.058% | 88 | |
44 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $1,133 | -0.587% | 80 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,294 | +0.665% | 74 | |
46 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $3,886 | +0.536% | 242 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,893 | +0.190% | 224 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,468 | +0.419% | 173 | |
49 | ENCOMPASS LENDING GROUP, LP | Sound | Acceptable | Sound | Strong | $2,290 | +0.276% | 113 | |
50 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $3,109 | +0.172% | 101 |
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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