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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,883 | -1.034% | 1,242 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $477 | +0.455% | 404 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,172 | +0.130% | 10,650 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,313 | +0.122% | 668 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,275 | +0.235% | 161 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,680 | +0.275% | 146 | |
7 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,462 | -0.403% | 2,246 | |
8 | NOVA FINANCIAL & INVESTMENT CORPORATION | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,926 | +0.400% | 970 | |
9 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,889 | +0.051% | 692 | |
10 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $5,042 | -0.161% | 190 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,092 | +0.168% | 5,365 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,103 | +0.482% | 2,471 | |
13 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,522 | +0.414% | 1,599 | |
14 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,668 | -0.742% | 1,004 | |
15 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,355 | +0.279% | 694 | |
16 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $621 | +0.580% | 549 | |
17 | ALTITUDE FINANCIAL CORPORATION | Strong | Sound | Strong | Exceptional | Strong | $2,107 | +0.312% | 188 | |
18 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,881 | +0.415% | 188 | |
19 | RESICENTRAL, LLC | Strong | Strong | Strong | Sound | Strong | $1,952 | +0.169% | 150 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,640 | +0.468% | 1,246 | |
21 | HOMEOWNERS FINANCIAL GROUP USA, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,295 | +0.385% | 581 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,227 | +0.278% | 476 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,468 | +0.290% | 460 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,252 | +0.256% | 438 | |
25 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,599 | +0.526% | 327 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,213 | +0.320% | 203 | |
27 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $2,495 | +0.071% | 157 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,851 | +0.138% | 724 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,008 | +0.408% | 694 | |
30 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.325% | 631 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,776 | +0.213% | 610 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,759 | +0.394% | 454 | |
33 | EFINITY FINANCIAL INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $6,134 | +0.655% | 391 | |
34 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,544 | +0.286% | 327 | |
35 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,952 | +1.012% | 269 | |
36 | SUN WEST MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,880 | +0.246% | 234 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,060 | +0.944% | 226 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,668 | +0.337% | 199 | |
39 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,432 | +0.323% | 198 | |
40 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,713 | +0.494% | 193 | |
41 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,863 | +0.320% | 193 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,369 | +0.564% | 1,570 | |
43 | GENEVA FINANCIAL, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $5,919 | +0.829% | 539 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,095 | +0.719% | 512 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,789 | +0.672% | 487 | |
46 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,792 | +0.412% | 339 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,802 | +0.119% | 336 | |
48 | ON Q FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,608 | -0.113% | 224 | |
49 | DIRECT MORTGAGE LOANS, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,268 | +0.482% | 191 | |
50 | SECURITYNATIONAL MORTGAGE COMPANY | Strong | Mediocre | Exceptional | Strong | 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.
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