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 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $4,299 | +0.145% | 733 | |
2 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,151 | -0.652% | 487 | |
3 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $3,069 | +0.363% | 440 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $2,470 | -0.387% | 307 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,942 | +0.220% | 8,636 | |
6 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,166 | -0.193% | 843 | |
7 | GRACE HOME LENDING, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,258 | -0.207% | 602 | |
8 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,700 | -0.025% | 487 | |
9 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $851 | -0.244% | 340 | |
10 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,602 | +0.386% | 2,010 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $830 | -0.371% | 1,489 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,465 | +0.096% | 754 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,402 | +0.027% | 704 | |
15 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $726 | +0.450% | 502 | |
16 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
17 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
18 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,709 | +0.060% | 423 | |
19 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Strong | $2,269 | +0.077% | 356 | |
20 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
21 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,664 | -0.632% | 470 | |
22 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,663 | +0.423% | 412 | |
23 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,756 | +0.287% | 237 | |
24 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,945 | +0.411% | 184 | |
25 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.405% | 484 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
31 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
32 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,307 | +0.425% | 498 | |
33 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | Strong | $2,698 | +0.359% | 266 | |
34 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,052 | +0.945% | 238 | |
35 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,129 | +0.496% | 1,436 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,975 | +0.378% | 865 | |
38 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,256 | +0.148% | 506 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,629 | +0.413% | 495 | |
40 | LEGEND LENDING CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $1,725 | +0.394% | 417 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,186 | +0.453% | 382 | |
42 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,374 | +0.467% | 345 | |
43 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,333 | +0.444% | 297 | |
44 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,496 | +0.719% | 240 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $4,048 | +0.624% | 199 | |
46 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,240 | +0.837% | 316 | |
47 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,705 | +0.447% | 276 | |
48 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,386 | +0.212% | 225 | |
49 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,603 | +0.902% | 573 |
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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