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 | $1,151 | -0.652% | 487 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,470 | -0.387% | 307 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $830 | -0.371% | 1,489 | |
4 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,407 | -0.043% | 926 | |
5 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,166 | -0.193% | 843 | |
6 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $851 | -0.244% | 340 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,465 | +0.096% | 754 | |
9 | First Financial Bank, National Association | Exceptional | Strong | Strong | Exceptional | Strong | $1,208 | +0.694% | 287 | |
10 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $753 | -0.011% | 176 | |
11 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
12 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,811 | +0.277% | 1,033 | |
13 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,299 | +0.145% | 733 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,402 | +0.027% | 704 | |
15 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069 | +0.363% | 440 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,139 | -0.060% | 361 | |
17 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,756 | +0.287% | 237 | |
18 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,813 | +0.149% | 189 | |
19 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,945 | +0.411% | 184 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
23 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,579 | +0.159% | 670 | |
24 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
25 | TEXAS DOW EMPLOYEES CREDIT UNION | Strong | Strong | Sound | Sound | Exceptional | $983 | +0.448% | 523 | |
26 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $726 | +0.450% | 502 | |
27 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
28 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,664 | -0.632% | 470 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,754 | +0.308% | 212 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,418 | +0.108% | 2,453 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
33 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,256 | +0.148% | 506 | |
34 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,307 | +0.425% | 498 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
36 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | Strong | $2,698 | +0.359% | 266 | |
37 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,987 | +0.291% | 226 | |
38 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,048 | +0.624% | 199 | |
40 | GRACE HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,258 | -0.207% | 602 | |
41 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,976 | +0.454% | 586 | |
42 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
43 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,700 | -0.025% | 487 | |
44 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
46 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,709 | +0.060% | 423 | |
47 | LEGEND LENDING CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $1,725 | +0.394% | 417 | |
48 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
50 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $2,269 | +0.077% | 356 |
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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