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 | $731 | +0.031% | 224 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,845 | +0.666% | 2,013 | |
3 | BAY EQUITY LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,272 | +0.312% | 744 | |
4 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,762 | +0.474% | 177 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,875 | +0.444% | 5,055 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,536 | +0.424% | 3,770 | |
7 | A & N MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,607 | +0.337% | 1,027 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,694 | +0.399% | 501 | |
9 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,315 | +0.500% | 263 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $832 | +0.682% | 185 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,024 | +0.354% | 5,815 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,831 | +0.552% | 3,117 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.649% | 2,058 | |
14 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Exceptional | $1,665 | +0.261% | 1,200 | |
15 | KEY MORTGAGE SERVICES, INC. | Strong | Sound | Strong | Sound | Exceptional | $1,736 | +0.344% | 967 | |
16 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,839 | +0.570% | 819 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,472 | +0.561% | 734 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $918 | +0.297% | 493 | |
19 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,794 | +0.594% | 234 | |
20 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $2,488 | +0.373% | 213 | |
21 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $1,724 | +0.418% | 206 | |
22 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,557 | +0.504% | 159 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,394 | +0.604% | 814 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $377 | +0.318% | 717 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,479 | +0.565% | 675 | |
26 | COMPASS MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,732 | +0.579% | 537 | |
27 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,052 | +0.567% | 421 | |
28 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $334 | +0.503% | 378 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,615 | +0.489% | 361 | |
30 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,265 | +0.650% | 303 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,442 | +0.486% | 298 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,264 | +0.341% | 276 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,237 | +0.442% | 225 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,880 | +0.415% | 222 | |
35 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,554 | +0.856% | 194 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,617 | +0.414% | 178 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,876 | +0.696% | 166 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,746 | +0.514% | 153 | |
39 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,183 | +0.556% | 141 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,172 | +0.689% | 1,346 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,800 | +0.558% | 698 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,305 | +0.625% | 659 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,082 | +0.494% | 632 | |
44 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,230 | +0.106% | 283 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,478 | +0.582% | 637 | |
46 | UNITED HOME LOANS, INC. | Strong | Acceptable | Sound | Sound | Exceptional | $1,965 | +0.395% | 389 | |
47 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,496 | +0.649% | 264 | |
48 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,261 | +0.657% | 162 | |
49 | THE ANDERSON FINANCIAL GROUP, INC. | Strong | Sound | Sound | Acceptable | Strong | $1,259 | +0.461% | 162 | |
50 | PACOR MORTGAGE CORP. | Sound | Acceptable | Sound | 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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