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 | $731 | +0.031% | 224 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
3 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
5 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
6 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Exceptional | $1,736 | +0.344% | 967 | |
7 | BAY EQUITY LLC | Strong | Sound | Strong | Exceptional | $2,272 | +0.312% | 744 | |
8 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $2,488 | +0.373% | 213 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $832 | +0.682% | 185 | |
10 | GMFS LLC | Strong | Sound | Exceptional | Strong | $1,762 | +0.474% | 177 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,744 | +0.649% | 2,058 | |
13 | PROPER RATE, LLC | Strong | Sound | Sound | Exceptional | $1,665 | +0.261% | 1,200 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $1,839 | +0.570% | 819 | |
15 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,732 | +0.579% | 537 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $918 | +0.297% | 493 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,052 | +0.567% | 421 | |
18 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,724 | +0.418% | 206 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,394 | +0.604% | 814 | |
21 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Exceptional | $1,472 | +0.561% | 734 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,694 | +0.399% | 501 | |
23 | UNITED HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $1,965 | +0.395% | 389 | |
24 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $334 | +0.503% | 378 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $1,264 | +0.341% | 276 | |
26 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,794 | +0.594% | 234 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,237 | +0.442% | 225 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,617 | +0.414% | 178 | |
29 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,876 | +0.696% | 166 | |
30 | THE ANDERSON FINANCIAL GROUP, INC. | Strong | Sound | Sound | Strong | $1,259 | +0.461% | 162 | |
31 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,557 | +0.504% | 159 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $1,746 | +0.514% | 153 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | $3,172 | +0.689% | 1,346 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $377 | +0.318% | 717 | |
35 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,479 | +0.565% | 675 | |
36 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,478 | +0.582% | 637 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,082 | +0.494% | 632 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,615 | +0.489% | 361 | |
39 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $2,265 | +0.650% | 303 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,442 | +0.486% | 298 | |
41 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,230 | +0.106% | 283 | |
42 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,496 | +0.649% | 264 | |
43 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $1,315 | +0.500% | 263 | |
44 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $1,880 | +0.415% | 222 | |
45 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $3,311 | +0.991% | 200 | |
46 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,554 | +0.856% | 194 | |
47 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,183 | +0.556% | 141 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $1,800 | +0.558% | 698 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,305 | +0.625% | 659 | |
50 | PACOR MORTGAGE CORP. | Sound | Acceptable | Sound | Strong | $2,610 | +0.607% | 179 |
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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