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 | $788 | -0.082% | 119 | |
2 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Strong | -$6,765 | +0.340% | 172 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,020 | +0.265% | 3,122 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,083 | +0.255% | 2,263 | |
5 | Tradition Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,007 | +0.191% | 826 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.175% | 620 | |
7 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,486 | +0.301% | 427 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,459 | +0.156% | 335 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,539 | +0.087% | 167 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,854 | +0.393% | 2,217 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,504 | +0.404% | 1,467 | |
12 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,775 | +0.235% | 1,250 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,421 | +0.109% | 745 | |
14 | Servion, Inc. | Strong | Sound | Strong | Strong | Strong | $2,251 | +0.158% | 161 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,793 | +0.470% | 1,187 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,495 | +0.185% | 634 | |
17 | Summit Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,358 | +0.344% | 468 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,711 | +0.444% | 440 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,983 | +0.455% | 436 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,291 | +0.272% | 431 | |
21 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,690 | +0.449% | 375 | |
22 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,719 | +0.517% | 278 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,879 | +0.281% | 274 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,388 | +0.299% | 198 | |
25 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,779 | +0.238% | 194 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,446 | +0.500% | 165 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,014 | +0.601% | 135 | |
28 | Luminate Home Loans, Inc. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,563 | +0.391% | 1,130 | |
29 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,775 | -0.222% | 586 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,962 | +0.354% | 575 | |
31 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,457 | +0.320% | 453 | |
32 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,318 | +0.177% | 187 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,704 | +0.340% | 94 | |
34 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,650 | +0.126% | 93 | |
35 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,075 | +0.220% | 91 | |
36 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,234 | +0.638% | 592 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,701 | +0.254% | 362 | |
38 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,257 | +0.502% | 333 | |
39 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $2,513 | +0.213% | 251 | |
40 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,597 | +0.513% | 221 | |
41 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $5,959 | +0.495% | 155 | |
42 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,971 | +0.386% | 96 |
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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