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 | BHOME MORTGAGE, LLC | Exceptional | Exceptional | Strong | Exceptional | $1,049 | -0.126% | 643 | |
2 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Exceptional | $376 | -0.063% | 591 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $1,389 | -0.656% | 462 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $165 | -0.216% | 1,233 | |
5 | FIRST CONTINENTAL MORTGAGE, LTD. | Exceptional | Exceptional | Strong | Strong | $302 | -0.620% | 167 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,732 | +0.065% | 6,943 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $2,270 | +0.236% | 1,138 | |
8 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,683 | +0.259% | 300 | |
9 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $433 | +0.360% | 184 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
11 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,854 | +0.140% | 979 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $3,727 | -0.062% | 1,526 | |
14 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,536 | +0.118% | 1,267 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,305 | +0.379% | 1,139 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,721 | +0.006% | 628 | |
17 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,260 | +0.117% | 618 | |
18 | REPUBLIC STATE MORTGAGE CO. | Strong | Sound | Strong | Strong | $1,040 | -0.156% | 309 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,035 | +0.196% | 233 | |
20 | AML FUNDING LLC | Strong | Sound | Strong | Strong | $2,207 | +0.256% | 194 | |
21 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $2,365 | +1.041% | 153 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,857 | +0.527% | 1,326 | |
23 | SFMC, LP | Strong | Acceptable | Strong | Exceptional | $4,450 | +0.340% | 1,257 | |
24 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,695 | +0.445% | 1,083 | |
25 | LOWER, LLC | Strong | Acceptable | Strong | Exceptional | $4,393 | +0.388% | 910 | |
26 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $1,364 | +0.163% | 669 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,054 | +0.387% | 657 | |
28 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $4,488 | +0.128% | 642 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,916 | +0.440% | 368 | |
30 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,438 | +0.078% | 360 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $4,058 | +0.020% | 294 | |
32 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,250 | +0.306% | 283 | |
33 | TEXAS MORTGAGE LENDING, LLC | Strong | Sound | Sound | Strong | $2,086 | +0.150% | 265 | |
34 | HIGHLAND HOMELOANS, LLC | Strong | Sound | Sound | Strong | $3,406 | -0.213% | 231 | |
35 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $3,170 | +0.101% | 213 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,601 | +0.249% | 190 | |
37 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,948 | +0.183% | 178 | |
38 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,971 | +0.674% | 172 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,812 | +0.062% | 167 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,348 | +0.365% | 463 | |
41 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,133 | +0.301% | 417 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,451 | +0.340% | 395 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $3,943 | +0.348% | 355 | |
44 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $4,359 | +0.396% | 345 | |
45 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,164 | +0.350% | 288 | |
46 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Strong | $6,618 | +0.624% | 255 | |
47 | Trinity Oaks Mortgage, LLC | Strong | Acceptable | Strong | Strong | $4,300 | +0.291% | 214 | |
48 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $4,156 | +0.126% | 214 | |
49 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,773 | +0.773% | 209 | |
50 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,623 | +0.356% | 193 |
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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