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 | $1,294 | -0.086% | 171 | |
2 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,129 | +0.008% | 191 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,937 | +0.389% | 1,404 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,672 | +0.275% | 835 | |
5 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,851 | +0.275% | 301 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,934 | +0.316% | 169 | |
7 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,759 | +0.358% | 83 | |
8 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,147 | +0.481% | 67 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,902 | +0.372% | 1,558 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,440 | +0.356% | 1,125 | |
11 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,160 | +0.060% | 1,097 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,920 | +0.339% | 671 | |
13 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,385 | +0.493% | 278 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,650 | +0.245% | 226 | |
15 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $2,537 | -0.018% | 177 | |
16 | State Financial Network, LLC | Strong | Strong | Sound | Sound | Strong | $733 | +0.013% | 50 | |
17 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $872 | +0.105% | 39 | |
18 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,107 | +0.016% | 37 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.332% | 290 | |
20 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,849 | +0.385% | 144 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,769 | +0.361% | 133 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.437% | 108 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,301 | +0.237% | 83 | |
24 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,801 | +0.531% | 197 | |
25 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,196 | +0.435% | 152 | |
26 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,916 | +0.438% | 140 | |
27 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Strong | $2,723 | +0.392% | 139 | |
28 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,040 | +0.127% | 85 | |
29 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,862 | +0.354% | 79 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $1,819 | +0.337% | 63 | |
31 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $4,132 | +0.469% | 60 | |
32 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,439 | +0.142% | 59 | |
33 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,117 | +0.440% | 49 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,963 | +0.580% | 49 | |
35 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,972 | +0.385% | 42 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,726 | +0.449% | 38 | |
37 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,864 | +0.668% | 37 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,376 | +0.338% | 144 | |
39 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,926 | +0.592% | 113 | |
40 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $2,856 | +0.512% | 102 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,102 | +0.484% | 60 | |
42 | LENDING CAPITAL GROUP Inc | Sound | Acceptable | Sound | Sound | Strong | $2,941 | +0.610% | 111 | |
43 | Center City Mortgage and Investments LLC | Sound | Sound | Acceptable | Acceptable | Strong | $2,070 | +0.238% | 59 | |
44 | PRINCETON MORTGAGE CORPORATION | Sound | Acceptable | Sound | Acceptable | Strong | $2,951 | +0.409% | 109 | |
45 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,786 | +0.361% | 85 | |
46 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $4,343 | +0.455% | 58 | |
47 | AmRes Corporation | Sound | Acceptable | Sound | Sound | Sound | $3,734 | +0.670% | 37 |
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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