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 | $1,968 | -0.146% | 72 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,984 | +0.441% | 4,195 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,015 | +0.282% | 1,490 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,763 | +0.361% | 230 | |
5 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,991 | +0.660% | 762 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,680 | +0.317% | 336 | |
7 | POINT MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | Strong | $5,494 | +0.582% | 97 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $4,839 | +0.480% | 65 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,028 | +0.298% | 47 | |
10 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Strong | Mediocre | Sound | $228 | -0.154% | 42 | |
11 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,982 | +0.528% | 213 | |
12 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,748 | +0.414% | 213 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,109 | +0.237% | 199 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,032 | +0.575% | 180 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $5,155 | +0.447% | 136 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,688 | +0.229% | 103 | |
17 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,262 | +0.349% | 93 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,906 | +0.244% | 92 | |
19 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,416 | +0.377% | 86 | |
20 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,473 | +0.707% | 84 | |
21 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,533 | +0.614% | 79 | |
22 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,526 | +0.539% | 277 | |
23 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,286 | +0.463% | 56 | |
24 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,120 | +0.503% | 54 | |
25 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,718 | +0.606% | 45 | |
26 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,061 | +0.376% | 45 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,686 | +0.338% | 40 | |
28 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,285 | -0.305% | 164 | |
29 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,215 | +0.799% | 106 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,763 | +0.222% | 58 | |
31 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,890 | +0.448% | 54 | |
32 | BELEM SERVICING LLC | Strong | Acceptable | Strong | Strong | Sound | $5,546 | +0.528% | 41 | |
33 | A&D Mortgage LLC | Sound | Mediocre | Strong | Sound | Exceptional | $5,322 | +0.892% | 558 | |
34 | RIGHT START MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | Strong | $6,032 | +1.181% | 125 | |
35 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $3,706 | +1.025% | 75 | |
36 | FBC MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,922 | -0.190% | 73 | |
37 | FIRST EQUITY MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,682 | +0.618% | 54 | |
38 | MY MORTGAGE, INC. | Sound | Mediocre | Sound | Sound | Exceptional | $4,613 | +0.951% | 240 | |
39 | Citadel Servicing Corporation | Sound | Mediocre | Strong | Sound | Strong | -$1,510 | +1.061% | 128 | |
40 | ANGEL OAK MORTGAGE SOLUTIONS LLC | Sound | Mediocre | Strong | Sound | Strong | $6,269 | +1.142% | 111 | |
41 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $5,808 | +0.828% | 110 | |
42 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Strong | $5,927 | +0.517% | 91 | |
43 | NEXERA HOLDING LLC | Sound | Mediocre | Strong | Sound | Strong | $5,554 | +0.978% | 85 | |
44 | NP, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,333 | +1.026% | 67 | |
45 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,878 | +0.608% | 62 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,443 | +0.431% | 47 | |
47 | DEEPHAVEN MORTGAGE LLC | Sound | Mediocre | Strong | Acceptable | Strong | $6,591 | +1.231% | 126 | |
48 | AMERICAN BANCSHARES MORTGAGE, LLC | Sound | Mediocre | Sound | Sound | Strong | $5,935 | +0.613% | 44 | |
49 | CAPITAL PARTNERS MORTGAGE SERVICES LLC. | Sound | Mediocre | Sound | Sound | Strong | $3,611 | +0.493% | 43 |
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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