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 | $1,814 | -0.093% | 442 | |
2 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
3 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,883 | -1.034% | 1,242 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
6 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
7 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,802 | +0.119% | 336 | |
8 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,544 | +0.286% | 327 | |
9 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,668 | +0.337% | 199 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,275 | +0.235% | 161 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,103 | +0.482% | 2,471 | |
12 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640 | +0.468% | 1,246 | |
14 | NOVA FINANCIAL & INVESTMENT CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,926 | +0.400% | 970 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,889 | +0.051% | 692 | |
16 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,252 | +0.256% | 438 | |
17 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $477 | +0.455% | 404 | |
18 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Strong | Strong | $2,107 | +0.312% | 188 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.138% | 724 | |
20 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,355 | +0.279% | 694 | |
21 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,008 | +0.408% | 694 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,313 | +0.122% | 668 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,776 | +0.213% | 610 | |
24 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,295 | +0.385% | 581 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,468 | +0.290% | 460 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,759 | +0.394% | 454 | |
27 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,492 | +0.220% | 417 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.944% | 226 | |
29 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,213 | +0.320% | 203 | |
30 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,863 | +0.320% | 193 | |
31 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $5,042 | -0.161% | 190 | |
32 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,881 | +0.415% | 188 | |
33 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,952 | +0.169% | 150 | |
34 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,680 | +0.275% | 146 | |
35 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,668 | -0.742% | 1,004 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,777 | +0.518% | 590 | |
37 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $621 | +0.580% | 549 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,227 | +0.278% | 476 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,432 | +0.323% | 198 | |
40 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,021 | +0.325% | 631 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,095 | +0.719% | 512 | |
42 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $4,789 | +0.672% | 487 | |
43 | EFINITY FINANCIAL INC. | Strong | Mediocre | Strong | Strong | Exceptional | $6,134 | +0.655% | 391 | |
44 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $4,792 | +0.412% | 339 | |
45 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Strong | Sound | Strong | $4,880 | +0.246% | 234 | |
46 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,608 | -0.113% | 224 | |
47 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $5,919 | +0.829% | 539 | |
48 | MORIA DEVELOPMENT, INC. | Sound | Mediocre | Strong | Strong | Strong | $4,599 | +0.526% | 327 | |
49 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,268 | +0.482% | 191 | |
50 | SECURITYNATIONAL MORTGAGE COMPANY | Sound | Mediocre | Strong | Sound | Strong | $4,878 | +0.698% | 478 |
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