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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,814 | -0.093% | 442 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
4 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $477 | +0.455% | 404 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
6 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Exceptional | Strong | $2,107 | +0.312% | 188 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,275 | +0.235% | 161 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $4,103 | +0.482% | 2,471 | |
10 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
11 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $4,640 | +0.468% | 1,246 | |
12 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,668 | -0.742% | 1,004 | |
13 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,926 | +0.400% | 970 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,889 | +0.051% | 692 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $3,313 | +0.122% | 668 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,776 | +0.213% | 610 | |
17 | INSPIRE HOME LOANS INC. | Strong | Sound | Strong | Strong | $621 | +0.580% | 549 | |
18 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,544 | +0.286% | 327 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,851 | +0.138% | 724 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,468 | +0.290% | 460 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,759 | +0.394% | 454 | |
23 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,252 | +0.256% | 438 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $2,802 | +0.119% | 336 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,213 | +0.320% | 203 | |
26 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $5,042 | -0.161% | 190 | |
27 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,952 | +0.169% | 150 | |
28 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,355 | +0.279% | 694 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,008 | +0.408% | 694 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $3,021 | +0.325% | 631 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,095 | +0.719% | 512 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,492 | +0.220% | 417 | |
33 | EFINITY FINANCIAL INC. | Strong | Mediocre | Exceptional | Exceptional | $6,134 | +0.655% | 391 | |
34 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,952 | +1.012% | 269 | |
35 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Strong | $4,880 | +0.246% | 234 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,060 | +0.944% | 226 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,668 | +0.337% | 199 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,432 | +0.323% | 198 | |
39 | OCMBC, INC. | Strong | Acceptable | Strong | Strong | $4,713 | +0.494% | 193 | |
40 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $2,863 | +0.320% | 193 | |
41 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,881 | +0.415% | 188 | |
42 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Strong | $2,495 | +0.071% | 157 | |
43 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,680 | +0.275% | 146 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,777 | +0.518% | 590 | |
45 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Sound | Mediocre | Strong | Exceptional | $3,295 | +0.385% | 581 | |
46 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $5,919 | +0.829% | 539 | |
47 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,789 | +0.672% | 487 | |
48 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,227 | +0.278% | 476 | |
49 | ON Q FINANCIAL, LLC | Sound | Acceptable | Sound | Strong | $2,608 | -0.113% | 224 | |
50 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Exceptional | Strong | $4,268 | +0.482% | 191 |
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.
Get personalized recommendations based on your specific needs