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 | $1,244 | -0.057% | 279 | |
2 | FEDERATED MORTGAGE CORP. | Exceptional | Strong | Strong | Exceptional | $1,818 | +0.199% | 201 | |
3 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $888 | +0.002% | 98 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
5 | JLB CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,357 | +0.391% | 185 | |
6 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Exceptional | $1,960 | +0.267% | 567 | |
7 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $2,412 | +0.273% | 372 | |
8 | State Financial Network, LLC | Strong | Strong | Sound | Strong | $612 | +0.241% | 56 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
10 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,524 | +0.361% | 968 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,776 | +0.600% | 473 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,808 | +0.208% | 342 | |
13 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,710 | +0.145% | 153 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,343 | +0.505% | 129 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,995 | +0.739% | 126 | |
16 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $3,203 | +0.462% | 67 | |
17 | Sail Mortgage Corp. | Strong | Strong | Acceptable | Strong | $2,320 | -0.070% | 58 | |
18 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,358 | +0.252% | 926 | |
19 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Exceptional | $1,997 | +0.393% | 609 | |
20 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $3,721 | +0.354% | 510 | |
21 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $3,006 | +0.268% | 503 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,794 | +0.447% | 434 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $979 | +0.464% | 429 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,182 | +0.304% | 429 | |
25 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,896 | +0.318% | 301 | |
26 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,356 | +0.394% | 236 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,273 | +0.433% | 224 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,523 | +0.214% | 120 | |
29 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,391 | +0.174% | 116 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,786 | +0.440% | 77 | |
31 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $3,148 | -0.084% | 73 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $2,999 | +0.500% | 141 | |
33 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $1,549 | +0.383% | 90 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,080 | +0.268% | 77 | |
35 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | $1,688 | +0.394% | 61 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,883 | +0.079% | 55 | |
37 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,667 | +0.466% | 51 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $2,627 | +0.374% | 51 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,647 | +0.873% | 90 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,291 | +0.509% | 85 | |
41 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $1,939 | +0.738% | 64 | |
42 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $2,526 | +0.926% | 50 | |
43 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $931 | +0.847% | 81 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $3,143 | +0.048% | 49 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $3,943 | +0.992% | 57 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $5,006 | +1.309% | 55 |
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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