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 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,583 | -0.155% | 788 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $830 | -0.371% | 1,489 | |
4 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Strong | $851 | -0.244% | 340 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
7 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,151 | -0.652% | 487 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
9 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
10 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,691 | +0.423% | 1,189 | |
11 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,699 | +0.236% | 1,051 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,402 | +0.027% | 704 | |
14 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,256 | +0.148% | 506 | |
15 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,625 | +0.169% | 329 | |
16 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,470 | -0.387% | 307 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
19 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,841 | +0.606% | 915 | |
20 | INTERLINC MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,166 | -0.193% | 843 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,465 | +0.096% | 754 | |
22 | GRACE HOME LENDING, LLC | Strong | Sound | Sound | Sound | Exceptional | $4,258 | -0.207% | 602 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
26 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,307 | +0.425% | 498 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,629 | +0.413% | 495 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
31 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,374 | +0.467% | 345 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.444% | 297 | |
33 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,756 | +0.287% | 237 | |
34 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,168 | +0.310% | 203 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,048 | +0.624% | 199 | |
36 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,945 | +0.411% | 184 | |
37 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $4,129 | +0.496% | 1,436 | |
38 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,299 | +0.145% | 733 | |
39 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $726 | +0.450% | 502 | |
40 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
41 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,664 | -0.632% | 470 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,709 | +0.060% | 423 | |
43 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,705 | +0.447% | 276 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,975 | +0.378% | 865 | |
45 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,603 | +0.902% | 573 | |
46 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Sound | Sound | Exceptional | $4,700 | -0.025% | 487 | |
47 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,069 | +0.363% | 440 | |
48 | LEGEND LENDING CORPORATION | Strong | Acceptable | Sound | Sound | Exceptional | $1,725 | +0.394% | 417 | |
49 | STONE MEADOW LENDING, LLC | Strong | Sound | Acceptable | Sound | Strong | $2,698 | +0.359% | 266 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | 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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