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 | $1,618 | -0.113% | 172 | |
2 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,176 | -0.563% | 173 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,644 | +0.306% | 4,820 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,583 | +0.233% | 2,512 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,979 | -0.062% | 542 | |
6 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $1,448 | -0.501% | 193 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,858 | -0.432% | 118 | |
8 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,631 | +0.488% | 728 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,866 | +0.228% | 384 | |
10 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $2,459 | -0.282% | 209 | |
11 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $129 | -0.005% | 186 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,921 | +0.590% | 73 | |
13 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,547 | +0.252% | 73 | |
14 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,462 | +0.374% | 510 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,034 | +0.217% | 507 | |
16 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,896 | +0.597% | 360 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,437 | +0.522% | 359 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,146 | +0.419% | 245 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,129 | +0.443% | 239 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,224 | +0.262% | 225 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,081 | +0.265% | 204 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,263 | +0.272% | 174 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,273 | +0.476% | 171 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,017 | +0.341% | 151 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,306 | +0.723% | 131 | |
26 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,822 | +0.433% | 113 | |
27 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,542 | +0.276% | 95 | |
28 | FBC MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,982 | +0.151% | 715 | |
29 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,897 | +0.708% | 510 | |
30 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,943 | +0.325% | 390 | |
31 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $5,188 | -0.125% | 363 | |
32 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,128 | +0.313% | 200 | |
33 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $1,623 | +0.232% | 176 | |
34 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,069 | +0.229% | 152 | |
35 | TRAILBLAZER MORTGAGE L.L.C. | Strong | Sound | Sound | Sound | Strong | $2,264 | -1.275% | 132 | |
36 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,885 | +0.504% | 85 | |
37 | THE MORTGAGE FIRM, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,746 | +0.399% | 490 | |
38 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,026 | -0.247% | 488 | |
39 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,562 | +0.394% | 369 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,696 | +0.281% | 351 | |
41 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,828 | +0.349% | 198 | |
42 | EVERETT FINANCIAL, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,389 | +0.676% | 194 | |
43 | MORTGAGE EQUITY PARTNERS LLC | Strong | Acceptable | Strong | Sound | Strong | $4,416 | +0.601% | 115 | |
44 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,387 | +0.549% | 111 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $6,000 | +0.725% | 110 | |
46 | PARK SQUARE HOME MORTGAGE, LLC | Sound | Sound | Acceptable | Acceptable | Strong | $2,704 | -0.520% | 140 | |
47 | Mortgage Lenders Investment Trading Corporation | Sound | Mediocre | Strong | Strong | Strong | $3,840 | +0.721% | 137 | |
48 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $5,048 | +0.425% | 107 | |
49 | PFN Lending Group, Inc. | Sound | Acceptable | Sound | Sound | Strong | $6,020 | +0.153% | 72 |
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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