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 | Strong | $1,288 | -0.075% | 120 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,761 | +0.190% | 6,340 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,734 | +0.222% | 5,129 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,956 | +0.086% | 666 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,251 | +0.422% | 141 | |
6 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,992 | +0.445% | 124 | |
7 | NMSI, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,800 | +0.270% | 621 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,583 | +0.124% | 546 | |
9 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $2,091 | +0.047% | 165 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,410 | +0.473% | 614 | |
11 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,720 | +0.423% | 556 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,947 | +0.130% | 518 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,465 | +0.287% | 466 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,463 | +0.340% | 426 | |
15 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,281 | +0.368% | 408 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,035 | +0.411% | 338 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,234 | +0.323% | 318 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,252 | +0.029% | 301 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.272% | 288 | |
20 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,394 | +0.155% | 256 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,024 | +0.066% | 223 | |
22 | Commerce Home Mortgage, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,343 | +0.722% | 215 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,619 | +0.347% | 197 | |
24 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,331 | +0.201% | 167 | |
25 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $2,233 | +0.336% | 145 | |
26 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,725 | +0.288% | 112 | |
27 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,942 | +0.439% | 670 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,546 | +0.347% | 355 | |
29 | AAA CAPITAL INVESTMENT, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,464 | +0.233% | 348 | |
30 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,062 | +0.398% | 236 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,743 | +0.330% | 175 | |
32 | NEW WAVE LENDING GROUP INC | Strong | Mediocre | Strong | Strong | Exceptional | $3,720 | +0.542% | 777 | |
33 | EMET LENDING GROUP, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,961 | +0.967% | 685 | |
34 | AUGUSTA FINANCIAL, INC. | Strong | Acceptable | Sound | Sound | Exceptional | $3,205 | +0.238% | 292 | |
35 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $5,103 | +0.517% | 238 | |
36 | GOLDEN EMPIRE MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,042 | +0.406% | 217 | |
37 | OriginPoint, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,039 | +0.300% | 215 | |
38 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,596 | +0.265% | 157 | |
39 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,255 | +0.206% | 150 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,729 | +0.350% | 125 | |
41 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $3,722 | +0.549% | 1,671 | |
42 | BAY-VALLEY MORTGAGE GROUP | Sound | Acceptable | Sound | Sound | Strong | $4,508 | +0.314% | 278 | |
43 | JMJ FINANCIAL GROUP | Sound | Acceptable | Sound | Sound | Strong | $4,203 | +0.383% | 182 | |
44 | ONY GLO, INC. | Sound | Acceptable | Sound | Sound | Strong | $2,601 | +0.151% | 136 | |
45 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Sound | Strong | $3,087 | +0.382% | 130 | |
46 | JMAC LENDING, INC. | Sound | Acceptable | Strong | Acceptable | Strong | $3,037 | +0.430% | 121 | |
47 | MK LENDING CORP. | Sound | Acceptable | Sound | Acceptable | Strong | $4,255 | +0.456% | 228 | |
48 | FIRST STANDARD FINANCIAL CORP. | Sound | Mediocre | Sound | Strong | Strong | $4,174 | +0.385% | 216 | |
49 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Strong | $4,953 | +0.621% | 184 |
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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