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 | REPUBLIC STATE MORTGAGE CO. | Exceptional | Strong | Strong | Exceptional | Strong | $1,040 | -0.156% | 309 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.072% | 1,855 | |
13 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,488 | +0.128% | 642 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,721 | +0.006% | 628 | |
15 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,250 | +0.306% | 283 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,973 | +0.327% | 4,582 | |
17 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,727 | -0.062% | 1,526 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,305 | +0.379% | 1,139 | |
19 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,133 | +0.301% | 417 | |
20 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,164 | +0.350% | 288 | |
21 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $4,156 | +0.126% | 214 | |
22 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,170 | +0.101% | 213 | |
23 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,849 | +0.370% | 191 | |
24 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,365 | +1.041% | 153 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,536 | +0.118% | 1,267 | |
26 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,450 | +0.340% | 1,257 | |
27 | AMERICAN PORTFOLIO MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,695 | +0.445% | 1,083 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854 | +0.140% | 979 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,393 | +0.388% | 910 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,364 | +0.163% | 669 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,340 | +0.351% | 353 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,058 | +0.020% | 294 | |
33 | TEXAS MORTGAGE LENDING, LLC | Strong | Strong | Sound | Sound | Strong | $2,086 | +0.150% | 265 | |
34 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $6,618 | +0.624% | 255 | |
35 | AML FUNDING LLC | Strong | Sound | Strong | Strong | Strong | $2,207 | +0.256% | 194 | |
36 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,971 | +0.674% | 172 | |
37 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,054 | +0.387% | 657 | |
38 | INTEGRITY MORTGAGE CORPORATION OF TEXAS | Strong | Acceptable | Strong | Strong | Exceptional | $4,756 | +0.260% | 402 | |
39 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.440% | 368 | |
40 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $1,438 | +0.078% | 360 | |
41 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,359 | +0.396% | 345 | |
42 | OriginPoint, LLC | Strong | Sound | Strong | Sound | Strong | $2,908 | +0.268% | 237 | |
43 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,035 | +0.196% | 233 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,773 | +0.773% | 209 | |
45 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,623 | +0.356% | 193 | |
46 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,601 | +0.249% | 190 | |
47 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,725 | +0.150% | 175 | |
48 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,188 | +0.349% | 175 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,632 | +0.209% | 163 | |
50 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,647 | +0.829% | 156 |
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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