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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,389 | -0.656% | 462 | |
2 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,049 | -0.126% | 643 | |
3 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Exceptional | $376 | -0.063% | 591 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,683 | +0.259% | 300 | |
5 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $302 | -0.620% | 167 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,270 | +0.236% | 1,138 | |
7 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $433 | +0.360% | 184 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,260 | +0.117% | 618 | |
10 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,943 | +0.348% | 355 | |
11 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,583 | +0.134% | 345 | |
12 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $1,040 | -0.156% | 309 | |
13 | First Financial Bank, National Association | Exceptional | Strong | Strong | Exceptional | Strong | $1,354 | +0.586% | 283 | |
14 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
15 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,488 | +0.128% | 642 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,279 | -0.072% | 631 | |
17 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,721 | +0.006% | 628 | |
18 | First United Bank and Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,376 | +0.363% | 584 | |
19 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,250 | +0.306% | 283 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727 | -0.062% | 1,526 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,305 | +0.379% | 1,139 | |
23 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
24 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,486 | +0.156% | 323 | |
25 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,164 | +0.350% | 288 | |
26 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,156 | +0.126% | 214 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.101% | 213 | |
28 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,849 | +0.370% | 191 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,470 | +0.295% | 170 | |
30 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,365 | +1.041% | 153 | |
31 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,176 | +0.050% | 1,968 | |
32 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
33 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,450 | +0.340% | 1,257 | |
34 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,695 | +0.445% | 1,083 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393 | +0.388% | 910 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364 | +0.163% | 669 | |
38 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,916 | -0.050% | 470 | |
39 | TexasBank | Strong | Sound | Strong | Sound | Exceptional | $3,421 | +1.488% | 440 | |
40 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,340 | +0.351% | 353 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,058 | +0.020% | 294 | |
42 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $6,618 | +0.624% | 255 | |
43 | First Bank | Strong | Sound | Strong | Strong | Strong | $3,821 | +0.255% | 230 | |
44 | AML FUNDING LLC | Strong | Sound | Strong | Strong | Strong | $2,207 | +0.256% | 194 | |
45 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,971 | +0.674% | 172 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
47 | INTEGRITY MORTGAGE CORPORATION OF TEXAS | Strong | Acceptable | Strong | Strong | Exceptional | $4,756 | +0.260% | 402 | |
48 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.440% | 368 | |
49 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,359 | +0.396% | 345 | |
50 | Independent Bank | Strong | Acceptable | Strong | Strong | Exceptional | $974 | -0.184% | 301 |
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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