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 | Exceptional | $1,311 | -0.068% | 854 | |
2 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,261 | +0.212% | 1,597 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
4 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,092 | +0.203% | 2,206 | |
8 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,234 | +0.299% | 616 | |
9 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
10 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,266 | +0.234% | 460 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,457 | +0.438% | 342 | |
12 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,119 | +0.239% | 286 | |
13 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,014 | +0.111% | 278 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
15 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.491% | 1,372 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
22 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,711 | +0.402% | 624 | |
23 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,989 | +0.329% | 355 | |
24 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $3,051 | +0.009% | 344 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,032 | +0.514% | 1,464 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,715 | +0.433% | 1,391 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,894 | +0.399% | 1,113 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,329 | +0.294% | 1,062 | |
29 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,279 | +0.415% | 946 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,790 | +0.464% | 818 | |
31 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,001 | +0.448% | 792 | |
32 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,335 | +0.344% | 578 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,555 | +0.242% | 555 | |
34 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,684 | +0.358% | 526 | |
35 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,044 | +0.401% | 514 | |
36 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
37 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,858 | +0.419% | 449 | |
38 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,035 | +0.475% | 419 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,468 | +0.460% | 348 | |
40 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,860 | +0.309% | 324 | |
41 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.453% | 316 | |
42 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,374 | +0.280% | 301 | |
43 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,840 | +0.294% | 301 | |
44 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,582 | -0.106% | 244 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,043 | +0.493% | 1,917 | |
46 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,145 | +0.307% | 406 | |
47 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $3,753 | +0.591% | 327 | |
48 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,135 | +0.447% | 288 | |
49 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,337 | +0.548% | 301 | |
50 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | 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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