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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $1,151 | -0.652% | 487 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Exceptional | $1,583 | -0.155% | 788 | |
3 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Sound | Strong | $851 | -0.244% | 340 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Exceptional | $830 | -0.371% | 1,489 | |
6 | JET HOMELOANS, LP | Strong | Strong | Strong | Strong | $2,470 | -0.387% | 307 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
8 | GRACE HOME LENDING, LLC | Strong | Sound | Strong | Exceptional | $4,258 | -0.207% | 602 | |
9 | LENDLO MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $3,069 | +0.363% | 440 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,602 | +0.386% | 2,010 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,213 | +0.424% | 1,039 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,465 | +0.096% | 754 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,402 | +0.027% | 704 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $726 | +0.450% | 502 | |
18 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,826 | +0.141% | 442 | |
19 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | $2,698 | +0.359% | 266 | |
20 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Exceptional | $2,166 | -0.193% | 843 | |
21 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $4,299 | +0.145% | 733 | |
22 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,256 | +0.148% | 506 | |
23 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $3,307 | +0.425% | 498 | |
24 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Exceptional | $4,700 | -0.025% | 487 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,663 | +0.423% | 412 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,186 | +0.453% | 382 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,625 | +0.169% | 329 | |
28 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,386 | +0.212% | 225 | |
29 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,168 | +0.310% | 203 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $4,048 | +0.624% | 199 | |
31 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,945 | +0.411% | 184 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $4,538 | +0.574% | 1,019 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $3,841 | +0.606% | 915 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,975 | +0.378% | 865 | |
35 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,971 | +0.346% | 582 | |
36 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,670 | +0.385% | 532 | |
37 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,852 | +0.344% | 501 | |
38 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,629 | +0.413% | 495 | |
39 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $5,664 | -0.632% | 470 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,078 | +0.357% | 460 | |
41 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $1,709 | +0.060% | 423 | |
42 | LEGEND LENDING CORPORATION | Strong | Acceptable | Sound | Exceptional | $1,725 | +0.394% | 417 | |
43 | SFMC, LP | Strong | Acceptable | Strong | Strong | $2,269 | +0.077% | 356 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,240 | +0.837% | 316 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $3,333 | +0.444% | 297 | |
46 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | $4,705 | +0.447% | 276 | |
47 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $2,496 | +0.719% | 240 | |
48 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,052 | +0.945% | 238 | |
49 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $3,756 | +0.287% | 237 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,885 | +0.500% | 182 |
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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