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 | $1,076 | -0.105% | 287 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,153 | +0.239% | 264 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,823 | +0.085% | 6,898 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,433 | +0.104% | 2,715 | |
5 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,283 | +0.296% | 837 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,867 | -0.080% | 752 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,305 | +0.034% | 226 | |
8 | M2 LENDING SOLUTIONS, LLC | Strong | Strong | Sound | Sound | Exceptional | $2,230 | +0.172% | 225 | |
9 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,324 | +0.117% | 185 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,120 | +0.047% | 121 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,203 | +0.315% | 1,279 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,844 | +0.359% | 1,086 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,827 | +0.402% | 1,009 | |
14 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,804 | +0.227% | 624 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,656 | -0.086% | 382 | |
16 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,686 | -0.165% | 140 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,092 | +0.064% | 547 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.408% | 546 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.133% | 512 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,040 | +0.135% | 493 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,089 | -0.027% | 454 | |
22 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,749 | +0.367% | 316 | |
23 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,573 | +0.189% | 312 | |
24 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,117 | +0.344% | 235 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,511 | +0.133% | 193 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $1,978 | +0.214% | 187 | |
27 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.110% | 182 | |
28 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,506 | +0.330% | 174 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,285 | +0.187% | 169 | |
30 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $807 | +0.087% | 162 | |
31 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,127 | +0.219% | 158 | |
32 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,457 | +0.150% | 143 | |
33 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,687 | +0.319% | 136 | |
34 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $2,159 | +0.277% | 108 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $3,081 | +0.333% | 98 | |
36 | INTERCAP LENDING INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,193 | +0.303% | 96 | |
37 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $451 | +0.418% | 88 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,071 | +0.419% | 572 | |
39 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,602 | +0.238% | 419 | |
40 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $1,289 | +0.617% | 376 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,328 | +0.216% | 334 | |
42 | NEST HOME LENDING, LLC | Strong | Sound | Sound | Sound | Strong | $4,314 | -0.457% | 246 | |
43 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,661 | +0.281% | 229 | |
44 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,764 | +0.094% | 194 | |
45 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,624 | +0.161% | 148 | |
46 | AMERICAN FINANCING CORPORATION | Strong | Acceptable | Strong | Acceptable | Exceptional | $5,971 | +0.037% | 758 | |
47 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,244 | +0.118% | 464 | |
48 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Strong | $4,100 | +0.479% | 357 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $572 | -0.092% | 256 | |
50 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,484 | +0.299% | 109 |
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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