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 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,166 | -0.193% | 843 | |
5 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $851 | -0.244% | 340 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,465 | +0.096% | 754 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
9 | CLM MORTGAGE, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $4,299 | +0.145% | 733 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,402 | +0.027% | 704 | |
11 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,069 | +0.363% | 440 | |
12 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,756 | +0.287% | 237 | |
13 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,945 | +0.411% | 184 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
17 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
18 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $726 | +0.450% | 502 | |
19 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
20 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $5,664 | -0.632% | 470 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,602 | +0.386% | 2,010 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
23 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,256 | +0.148% | 506 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,307 | +0.425% | 498 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,745 | +0.405% | 484 | |
26 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | Strong | $2,698 | +0.359% | 266 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,048 | +0.624% | 199 | |
29 | GRACE HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,258 | -0.207% | 602 | |
30 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
31 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Exceptional | $4,700 | -0.025% | 487 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,709 | +0.060% | 423 | |
35 | LEGEND LENDING CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $1,725 | +0.394% | 417 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,663 | +0.423% | 412 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
38 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $2,269 | +0.077% | 356 | |
39 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $2,625 | +0.169% | 329 | |
40 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,240 | +0.837% | 316 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.444% | 297 | |
42 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,705 | +0.447% | 276 | |
43 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,496 | +0.719% | 240 | |
44 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,052 | +0.945% | 238 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.500% | 182 | |
46 | NATIONS RELIABLE LENDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,129 | +0.496% | 1,436 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,975 | +0.378% | 865 | |
48 | Click n' Close, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $7,558 | +1.610% | 697 | |
49 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,603 | +0.902% | 573 | |
50 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,374 | +0.467% | 345 |
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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