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 | $1,922 | -0.118% | 19 | |
2 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,812 | +0.340% | 11 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,143 | +0.270% | 71 | |
5 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | Sound | $2,375 | +0.453% | 15 | |
6 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,979 | +0.247% | 523 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,891 | +0.474% | 161 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,671 | +0.148% | 150 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,821 | +0.273% | 104 | |
10 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,682 | +0.345% | 66 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,250 | +0.027% | 12 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,258 | +0.702% | 11 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,703 | +0.323% | 144 | |
14 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,171 | +0.447% | 104 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.313% | 70 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.233% | 62 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,548 | +0.211% | 43 | |
18 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.525% | 40 | |
19 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,550 | +0.497% | 36 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,478 | +0.250% | 148 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,015 | +0.289% | 137 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,134 | +0.357% | 50 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,910 | +0.650% | 39 | |
24 | MDE HOME LOANS, LLC | Strong | Sound | Sound | Sound | Strong | $1,740 | +0.259% | 39 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,360 | +0.280% | 37 | |
26 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.136% | 24 | |
27 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,140 | +0.214% | 22 | |
28 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,621 | +0.210% | 21 | |
29 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,370 | +0.155% | 15 | |
30 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,120 | +0.684% | 12 | |
31 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $4,720 | +0.589% | 17 | |
32 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,697 | +0.530% | 21 | |
33 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $4,915 | +0.881% | 20 | |
34 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Sound | $4,337 | +0.495% | 12 | |
35 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Acceptable | Sound | $3,551 | +0.401% | 10 | |
36 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Acceptable | $4,478 | +0.521% | 10 |
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.
Get personalized recommendations based on your specific needs