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 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $3,109 | +0.219% | 298 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,057 | -0.114% | 198 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,008 | -0.010% | 2,666 | |
6 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,346 | -0.730% | 276 | |
7 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,381 | -1.022% | 265 | |
8 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,084 | -0.380% | 135 | |
9 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $824 | -0.155% | 84 | |
10 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,400 | -0.150% | 304 | |
11 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,623 | +0.162% | 235 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $817 | -0.487% | 137 | |
13 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Strong | $3,915 | -0.504% | 121 | |
14 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,133 | -0.587% | 80 | |
15 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,690 | -0.155% | 1,568 | |
16 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,355 | -0.003% | 784 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,569 | -0.064% | 398 | |
18 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $6,023 | -0.186% | 310 | |
19 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,041 | +0.627% | 288 | |
20 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,040 | -0.074% | 270 | |
21 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,513 | +0.079% | 203 | |
22 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,638 | +0.293% | 171 | |
23 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,951 | -0.005% | 150 | |
24 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,847 | +0.058% | 88 | |
25 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,875 | -0.259% | 1,028 | |
26 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,900 | +0.237% | 525 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,639 | +0.080% | 295 | |
28 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,883 | +0.150% | 286 | |
29 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,562 | +0.098% | 124 | |
30 | OriginPoint, LLC | Exceptional | Strong | Strong | Strong | Strong | $3,109 | +0.172% | 101 | |
31 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $2,597 | -0.217% | 94 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,150 | +0.269% | 1,422 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.270% | 783 | |
34 | UNIVERSITY Federal Credit Union | Strong | Sound | Strong | Strong | Exceptional | $3,524 | +0.040% | 755 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,893 | +0.190% | 224 | |
36 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,371 | +0.171% | 198 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,074 | +0.167% | 188 | |
38 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,417 | +0.234% | 166 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,692 | +0.173% | 127 | |
40 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,094 | +0.164% | 95 | |
41 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,617 | -0.604% | 102 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,230 | +0.293% | 328 | |
43 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,300 | +1.249% | 266 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,700 | +0.420% | 216 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,665 | +0.355% | 188 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.268% | 179 | |
47 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,493 | +0.098% | 179 | |
48 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,191 | -0.101% | 106 | |
49 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $4,401 | +0.380% | 92 | |
50 | ENCOMPASS LENDING GROUP, LP | Strong | Acceptable | Strong | Strong | Strong | $2,290 | +0.276% | 113 |
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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