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 | $1,131 | -0.126% | 180 | |
2 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,891 | +0.096% | 170 | |
3 | CREDIT UNION MORTGAGE ASSOCIATION, INC. | Exceptional | Exceptional | Strong | Acceptable | Strong | $1,544 | -0.751% | 92 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,143 | +0.282% | 2,545 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,993 | +0.096% | 1,767 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,284 | +0.114% | 261 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,144 | +0.089% | 237 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,825 | +0.161% | 128 | |
9 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,408 | +0.133% | 124 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,244 | +0.364% | 96 | |
11 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,662 | +0.425% | 1,038 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,032 | +0.367% | 591 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,372 | +0.164% | 537 | |
14 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630 | +0.309% | 506 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,585 | -0.097% | 308 | |
16 | Vellum Mortgage, Inc. | Strong | Sound | Strong | Strong | Strong | $3,300 | +0.235% | 102 | |
17 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.476% | 86 | |
18 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,633 | +0.212% | 71 | |
19 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,875 | +0.376% | 1,754 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.266% | 468 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,704 | +0.417% | 435 | |
22 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,177 | +0.114% | 374 | |
23 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $3,832 | +0.175% | 334 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,707 | +0.251% | 321 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.307% | 209 | |
26 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,361 | +0.393% | 209 | |
27 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,219 | +0.102% | 202 | |
28 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,578 | +0.334% | 185 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,318 | +0.451% | 169 | |
30 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.253% | 168 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,933 | +0.150% | 162 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,217 | +0.597% | 136 | |
33 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,351 | +0.528% | 121 | |
34 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,474 | +0.322% | 120 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,261 | +0.280% | 114 | |
36 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,293 | +0.413% | 104 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,619 | +0.700% | 90 | |
38 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,273 | +0.392% | 1,197 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,477 | +0.318% | 349 | |
40 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,217 | +0.219% | 263 | |
41 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,627 | +0.637% | 171 | |
42 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,004 | +0.714% | 164 | |
43 | FIRST SAVINGS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,040 | +0.244% | 100 | |
44 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,594 | +0.342% | 80 | |
45 | SOUTHERN TRUST MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,960 | +0.231% | 70 | |
46 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,038 | +0.449% | 66 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,675 | +0.456% | 409 | |
48 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,406 | +0.290% | 253 | |
49 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Sound | Strong | $3,798 | +0.543% | 120 | |
50 | ENVOY MORTGAGE, LTD | Strong | Acceptable | Strong | Sound | Strong | $3,161 | +0.262% | 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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