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