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 | $584 | -0.072% | 228 | |
2 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,703 | +0.123% | 1,453 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,603 | -0.233% | 1,307 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,744 | +0.251% | 3,911 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,229 | +0.107% | 3,124 | |
6 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,972 | +0.290% | 1,097 | |
7 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,605 | +0.320% | 340 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,763 | +0.051% | 260 | |
9 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,226 | +0.365% | 186 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,432 | +0.406% | 103 | |
11 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,750 | +0.074% | 100 | |
12 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Strong | $545 | +0.024% | 88 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,268 | +0.329% | 2,718 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,255 | +0.465% | 980 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,318 | +0.538% | 697 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,371 | +0.002% | 471 | |
17 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,984 | +0.437% | 235 | |
18 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,706 | +0.287% | 88 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,857 | +0.131% | 501 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | +0.465% | 364 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,914 | +0.255% | 332 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,812 | +0.479% | 241 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,154 | +0.363% | 236 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,909 | +0.221% | 194 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,205 | +0.171% | 164 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.295% | 158 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,294 | +0.333% | 156 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,642 | +0.431% | 155 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,168 | +0.403% | 155 | |
30 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,218 | +0.469% | 140 | |
31 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.636% | 134 | |
32 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,028 | +0.473% | 129 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,996 | +0.023% | 109 | |
34 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,840 | +0.353% | 429 | |
35 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $6,746 | +0.184% | 373 | |
36 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,949 | +0.260% | 336 | |
37 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,925 | +0.527% | 331 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,335 | +0.380% | 243 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,431 | +0.357% | 167 | |
40 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $3,117 | +0.394% | 161 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $592 | +0.283% | 455 | |
42 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,279 | +0.201% | 95 | |
43 | AgFirst Farm Credit Bank | Sound | Mediocre | Strong | Strong | Strong | $4,629 | +0.596% | 108 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,995 | +0.425% | 100 | |
45 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Strong | $6,739 | +1.677% | 155 | |
46 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Strong | $3,915 | +0.537% | 102 |
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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