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 | Strong | $1,294 | -0.086% | 171 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,672 | +0.275% | 835 | |
3 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | $2,129 | +0.008% | 191 | |
4 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $3,160 | +0.060% | 1,097 | |
5 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Exceptional | $2,385 | +0.493% | 278 | |
6 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Strong | Exceptional | $2,537 | -0.018% | 177 | |
7 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $2,196 | +0.435% | 152 | |
8 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $2,759 | +0.358% | 83 | |
9 | State Financial Network, LLC | Strong | Strong | Sound | Strong | $733 | +0.013% | 50 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,937 | +0.389% | 1,404 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,920 | +0.339% | 671 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,650 | +0.245% | 226 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,934 | +0.316% | 169 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,769 | +0.361% | 133 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,902 | +0.372% | 1,558 | |
16 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,440 | +0.356% | 1,125 | |
17 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $2,851 | +0.275% | 301 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,084 | +0.332% | 290 | |
19 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,849 | +0.385% | 144 | |
20 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $2,856 | +0.512% | 102 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,301 | +0.237% | 83 | |
22 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,107 | +0.016% | 37 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,376 | +0.338% | 144 | |
24 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | $2,723 | +0.392% | 139 | |
25 | LENDING CAPITAL GROUP Inc | Strong | Acceptable | Strong | Strong | $2,941 | +0.610% | 111 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,570 | +0.437% | 108 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $3,040 | +0.127% | 85 | |
28 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $1,862 | +0.354% | 79 | |
29 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,147 | +0.481% | 67 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $1,819 | +0.337% | 63 | |
31 | Center City Mortgage and Investments LLC | Strong | Sound | Acceptable | Strong | $2,070 | +0.238% | 59 | |
32 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $1,963 | +0.580% | 49 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,972 | +0.385% | 42 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $872 | +0.105% | 39 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $2,726 | +0.449% | 38 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,801 | +0.531% | 197 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,916 | +0.438% | 140 | |
38 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Strong | $2,951 | +0.409% | 109 | |
39 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $2,439 | +0.142% | 59 | |
40 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $2,117 | +0.440% | 49 | |
41 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $3,898 | +0.913% | 48 | |
42 | Paramount Residential Mortgage Group, Inc. | Sound | Acceptable | Strong | Sound | $2,864 | +0.668% | 37 | |
43 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $2,926 | +0.592% | 113 | |
44 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Strong | $4,138 | +0.562% | 92 | |
45 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $3,786 | +0.361% | 85 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,343 | +0.455% | 58 |
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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