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 | Exceptional | $1,311 | -0.068% | 854 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
3 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,261 | +0.212% | 1,597 | |
4 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | $2,335 | +0.344% | 578 | |
5 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $2,092 | +0.203% | 2,206 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
8 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Exceptional | $2,711 | +0.402% | 624 | |
9 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $2,234 | +0.299% | 616 | |
10 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Exceptional | $1,944 | +0.273% | 610 | |
11 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Exceptional | $3,051 | +0.009% | 344 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,457 | +0.438% | 342 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,827 | +0.358% | 3,389 | |
15 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $3,188 | +0.323% | 2,234 | |
16 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,120 | +0.375% | 2,047 | |
17 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,744 | +0.491% | 1,372 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,279 | +0.415% | 946 | |
19 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,014 | +0.111% | 278 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $2,043 | +0.493% | 1,917 | |
23 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,894 | +0.399% | 1,113 | |
25 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $3,329 | +0.294% | 1,062 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,347 | +0.344% | 829 | |
27 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Exceptional | $2,001 | +0.448% | 792 | |
28 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,555 | +0.242% | 555 | |
29 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $3,684 | +0.358% | 526 | |
30 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $3,266 | +0.234% | 460 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $1,858 | +0.419% | 449 | |
32 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $3,689 | +0.523% | 423 | |
33 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,035 | +0.475% | 419 | |
34 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $2,989 | +0.329% | 355 | |
35 | LENDING CAPITAL GROUP Inc | Strong | Acceptable | Strong | Exceptional | $3,345 | +0.498% | 346 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,005 | +0.453% | 316 | |
37 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,840 | +0.294% | 301 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,119 | +0.239% | 286 | |
39 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,582 | -0.106% | 244 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,790 | +0.464% | 818 | |
41 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $3,044 | +0.401% | 514 | |
42 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $1,915 | +0.496% | 505 | |
43 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,145 | +0.307% | 406 | |
44 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $2,705 | +0.715% | 353 | |
45 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,468 | +0.460% | 348 | |
46 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | $3,753 | +0.591% | 327 | |
47 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,860 | +0.309% | 324 | |
48 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,374 | +0.280% | 301 | |
49 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,135 | +0.447% | 288 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,355 | +0.684% | 277 |
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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