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 | $379 | -0.220% | 287 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,381 | -1.022% | 265 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $1,346 | -0.730% | 276 | |
4 | AAXY L.L.C. | Exceptional | Exceptional | Sound | Strong | Strong | -$449 | -0.504% | 139 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
6 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $969 | -0.871% | 625 | |
7 | HOME FINANCING UNLIMITED, INC. | Exceptional | Strong | Sound | Strong | Exceptional | $2,474 | -0.579% | 432 | |
8 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Sound | Sound | Strong | $1,084 | -0.380% | 135 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
12 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
13 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,536 | +0.270% | 783 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,569 | -0.064% | 398 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
18 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $3,057 | -0.114% | 198 | |
19 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,748 | +0.170% | 169 | |
20 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
21 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Strong | Strong | Strong | $3,467 | -0.372% | 79 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
23 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $6,023 | -0.186% | 310 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
25 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
26 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,513 | +0.079% | 203 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.268% | 179 | |
30 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
31 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
33 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,562 | +0.098% | 124 | |
34 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,362 | +0.090% | 699 | |
35 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $3,109 | +0.219% | 298 | |
36 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,041 | +0.627% | 288 | |
37 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,893 | +0.190% | 224 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,468 | +0.419% | 173 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,847 | +0.058% | 88 | |
40 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,133 | -0.587% | 80 | |
41 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,886 | +0.536% | 242 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,864 | +0.490% | 102 | |
43 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,617 | -0.604% | 102 | |
44 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,109 | +0.172% | 101 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,199 | +0.289% | 93 | |
46 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,401 | +0.380% | 92 | |
47 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Acceptable | Strong | $2,474 | +0.248% | 71 | |
48 | CRESTMARK MORTGAGE COMPANY, LTD. | Sound | Acceptable | Sound | Sound | Strong | $3,915 | -0.504% | 121 | |
49 | GARDNER FINANCIAL SERVICES, LTD. | Sound | Mediocre | Strong | Strong | Strong | $4,349 | +0.355% | 83 |
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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