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 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,579 | +0.159% | 670 | |
8 | GRACE HOME LENDING, LLC | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,258 | -0.207% | 602 | |
9 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Exceptional | $4,700 | -0.025% | 487 | |
10 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $753 | -0.011% | 176 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $904 | -0.429% | 486 | |
12 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $851 | -0.244% | 340 | |
13 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,418 | +0.108% | 2,453 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,602 | +0.386% | 2,010 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $830 | -0.371% | 1,489 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $4,699 | +0.236% | 1,051 | |
17 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,465 | +0.096% | 754 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,402 | +0.027% | 704 | |
19 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $726 | +0.450% | 502 | |
20 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,852 | +0.344% | 501 | |
21 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,826 | +0.141% | 442 | |
22 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,709 | +0.060% | 423 | |
23 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,139 | -0.060% | 361 | |
24 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Strong | $2,269 | +0.077% | 356 | |
25 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,535 | +0.058% | 2,437 | |
26 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,811 | +0.277% | 1,033 | |
27 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $5,664 | -0.632% | 470 | |
28 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,663 | +0.423% | 412 | |
29 | First Financial Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $1,208 | +0.694% | 287 | |
30 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,756 | +0.287% | 237 | |
31 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,800 | -0.079% | 197 | |
32 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,945 | +0.411% | 184 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.390% | 5,725 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,691 | +0.423% | 1,189 | |
35 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $2,407 | -0.043% | 926 | |
36 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $3,976 | +0.454% | 586 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $2,971 | +0.346% | 582 | |
38 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,670 | +0.385% | 532 | |
39 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.405% | 484 | |
40 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,078 | +0.357% | 460 | |
41 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,754 | +0.308% | 212 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,213 | +0.424% | 1,039 | |
43 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $2,272 | +0.095% | 581 | |
44 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,307 | +0.425% | 498 | |
45 | STONE MEADOW LENDING, LLC | Strong | Sound | Strong | Strong | Strong | $2,698 | +0.359% | 266 | |
46 | OCMBC, INC. | Strong | Sound | Strong | Strong | Strong | $4,052 | +0.945% | 238 | |
47 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,129 | +0.496% | 1,436 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,538 | +0.574% | 1,019 | |
49 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,975 | +0.378% | 865 | |
50 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,256 | +0.148% | 506 |
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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