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 | Sound | $795 | -0.106% | 67 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,134 | +0.055% | 481 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,045 | +0.144% | 3,026 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,314 | +0.206% | 1,737 | |
5 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Exceptional | $1,912 | -0.705% | 542 | |
6 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Exceptional | $49 | +0.562% | 280 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,718 | +0.442% | 107 | |
8 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $935 | -0.093% | 53 | |
9 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,093 | +0.229% | 488 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,729 | -0.067% | 463 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,018 | +0.040% | 272 | |
12 | Capital City Home Loans, LLC | Strong | Sound | Strong | Strong | Strong | $2,369 | +0.239% | 113 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,273 | +0.446% | 415 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,898 | +0.485% | 309 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,183 | +0.421% | 229 | |
16 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $1,993 | +0.249% | 209 | |
17 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,453 | +0.354% | 193 | |
18 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,150 | +0.160% | 190 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,243 | +0.295% | 179 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,258 | +0.461% | 172 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,510 | +0.437% | 146 | |
22 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,776 | +0.382% | 135 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,548 | +0.180% | 125 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.275% | 101 | |
25 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,050 | +0.274% | 99 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,918 | +0.192% | 94 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,331 | +0.217% | 87 | |
28 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $1,118 | +0.395% | 592 | |
29 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,925 | +0.070% | 216 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,577 | +0.346% | 135 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,903 | +0.548% | 130 | |
32 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,765 | +0.171% | 86 | |
33 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,242 | +0.204% | 62 | |
34 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,999 | +0.524% | 56 | |
35 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,428 | +0.658% | 199 | |
36 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,138 | +0.161% | 145 | |
37 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,302 | -0.727% | 121 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,207 | +0.545% | 115 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,617 | +0.408% | 108 | |
40 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Sound | $4,132 | +0.477% | 53 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,879 | +0.337% | 79 | |
42 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $2,988 | -0.422% | 97 | |
43 | WATSON MORTGAGE CORP. | Sound | Acceptable | Acceptable | Acceptable | Strong | $2,798 | +0.213% | 63 | |
44 | Equity Prime Mortgage LLC | Sound | Mediocre | Sound | Acceptable | Strong | $2,813 | +0.770% | 128 |
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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