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 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,639 | +0.080% | 295 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,513 | +0.079% | 203 | |
9 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,133 | -0.587% | 80 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
11 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $6,023 | -0.186% | 310 | |
12 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,109 | +0.219% | 298 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,040 | -0.074% | 270 | |
14 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562 | +0.098% | 124 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $1,041 | +0.627% | 288 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
20 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,690 | -0.155% | 1,568 | |
22 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,362 | +0.090% | 699 | |
23 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,400 | -0.150% | 304 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,893 | +0.190% | 224 | |
25 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,191 | -0.101% | 106 | |
26 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617 | -0.604% | 102 | |
27 | TEXAS MORTGAGE LENDING, LLC | Strong | Strong | Sound | Sound | Strong | $2,474 | +0.248% | 71 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,883 | +0.150% | 286 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
32 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
35 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $3,109 | +0.172% | 101 | |
36 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,199 | +0.289% | 93 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.058% | 88 | |
38 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,294 | +0.665% | 74 | |
39 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,886 | +0.536% | 242 | |
40 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $3,915 | -0.504% | 121 | |
41 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,864 | +0.490% | 102 | |
42 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,401 | +0.380% | 92 | |
43 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,349 | +0.355% | 83 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
45 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | Strong | $5,295 | +0.698% | 136 | |
46 | ENCOMPASS LENDING GROUP, LP | Strong | Acceptable | Strong | Sound | Strong | $2,290 | +0.276% | 113 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,468 | +0.419% | 173 |
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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