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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,288 | -0.075% | 120 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,761 | +0.190% | 6,340 | |
3 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,331 | +0.201% | 167 | |
4 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,251 | +0.422% | 141 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,956 | +0.086% | 666 | |
7 | NMSI, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,583 | +0.124% | 546 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,947 | +0.130% | 518 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,252 | +0.029% | 301 | |
11 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $2,091 | +0.047% | 165 | |
12 | OCMBC, INC. | Strong | Acceptable | Strong | Exceptional | $3,722 | +0.549% | 1,671 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,465 | +0.287% | 466 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,463 | +0.340% | 426 | |
15 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Exceptional | $2,464 | +0.233% | 348 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,234 | +0.323% | 318 | |
17 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | $3,205 | +0.238% | 292 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $4,619 | +0.347% | 197 | |
19 | STG MORTGAGE INC | Strong | Sound | Sound | Strong | $2,233 | +0.336% | 145 | |
20 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,725 | +0.288% | 112 | |
21 | EMET LENDING GROUP, INC. | Strong | Mediocre | Exceptional | Exceptional | $4,961 | +0.967% | 685 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,410 | +0.473% | 614 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,720 | +0.423% | 556 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,281 | +0.368% | 408 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,035 | +0.411% | 338 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,651 | +0.272% | 288 | |
27 | BAY-VALLEY MORTGAGE GROUP | Strong | Acceptable | Strong | Strong | $4,508 | +0.314% | 278 | |
28 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $3,394 | +0.155% | 256 | |
29 | MORTGAGE CAPITAL PARTNERS, INC. | Strong | Acceptable | Sound | Exceptional | $4,069 | +0.289% | 252 | |
30 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,062 | +0.398% | 236 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,024 | +0.066% | 223 | |
32 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Strong | Strong | $4,343 | +0.722% | 215 | |
33 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,743 | +0.330% | 175 | |
34 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,596 | +0.265% | 157 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,255 | +0.206% | 150 | |
36 | CAMPOS FINANCIAL CORP. | Strong | Acceptable | Strong | Strong | $4,288 | +0.427% | 138 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,729 | +0.350% | 125 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,992 | +0.445% | 124 | |
39 | NEW WAVE LENDING GROUP INC | Sound | Mediocre | Strong | Exceptional | $3,720 | +0.542% | 777 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,942 | +0.439% | 670 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,546 | +0.347% | 355 | |
42 | Logan Finance Corporation | Sound | Mediocre | Strong | Exceptional | $2,134 | +1.023% | 334 | |
43 | OriginPoint, LLC | Sound | Acceptable | Sound | Strong | $3,039 | +0.300% | 215 | |
44 | Hometown Equity Mortgage, LLC | Sound | Acceptable | Sound | Strong | $4,026 | +0.621% | 211 | |
45 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Strong | $4,203 | +0.383% | 182 | |
46 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $2,569 | +0.625% | 153 | |
47 | ONY GLO, INC. | Sound | Acceptable | Sound | Strong | $2,601 | +0.151% | 136 | |
48 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Strong | $3,087 | +0.382% | 130 | |
49 | JMAC LENDING, INC. | Sound | Acceptable | Sound | Strong | $3,037 | +0.430% | 121 |
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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