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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,131 | -0.126% | 180 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
3 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Strong | Exceptional | Acceptable | Strong | $1,544 | -0.751% | 92 | |
4 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | $2,372 | +0.164% | 537 | |
5 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,891 | +0.096% | 170 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,244 | +0.364% | 96 | |
7 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $2,594 | +0.342% | 80 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
9 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,273 | +0.392% | 1,197 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,032 | +0.367% | 591 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,585 | -0.097% | 308 | |
12 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,284 | +0.114% | 261 | |
13 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,144 | +0.089% | 237 | |
14 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,219 | +0.102% | 202 | |
15 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | $3,300 | +0.235% | 102 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,630 | +0.309% | 506 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,472 | +0.266% | 468 | |
18 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $3,177 | +0.114% | 374 | |
19 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,832 | +0.175% | 334 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,707 | +0.251% | 321 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,894 | +0.307% | 209 | |
22 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,361 | +0.393% | 209 | |
23 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,627 | +0.637% | 171 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,933 | +0.150% | 162 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,217 | +0.597% | 136 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,825 | +0.161% | 128 | |
27 | Atlantic Coast Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | $3,408 | +0.133% | 124 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,474 | +0.322% | 120 | |
29 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $2,867 | +0.476% | 86 | |
30 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $4,875 | +0.376% | 1,754 | |
31 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | $3,819 | +0.391% | 566 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,704 | +0.417% | 435 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,675 | +0.456% | 409 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,217 | +0.219% | 263 | |
35 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $3,406 | +0.290% | 253 | |
36 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,578 | +0.334% | 185 | |
37 | FIDELITY DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,508 | +0.522% | 184 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,318 | +0.451% | 169 | |
39 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,060 | +0.253% | 168 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,351 | +0.528% | 121 | |
41 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Strong | $3,798 | +0.543% | 120 | |
42 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,261 | +0.280% | 114 | |
43 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,157 | +0.854% | 113 | |
44 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,293 | +0.413% | 104 | |
45 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,040 | +0.244% | 100 | |
46 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,612 | +0.097% | 93 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,619 | +0.700% | 90 | |
48 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Strong | $4,798 | +0.572% | 76 | |
49 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,038 | +0.449% | 66 | |
50 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,477 | +0.318% | 349 |
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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