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 | $478 | -0.146% | 188 | |
2 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,970 | +0.103% | 403 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,328 | +0.061% | 397 | |
4 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
8 | VELOCIO MORTGAGE L.L.C. | Strong | Strong | Strong | Sound | Strong | $612 | -0.852% | 184 | |
9 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,501 | -0.069% | 83 | |
10 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003 | +0.208% | 903 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,585 | +0.399% | 517 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,943 | -0.070% | 280 | |
14 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
15 | MATTAMY HOME FUNDING, LLC | Strong | Sound | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
16 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533 | +0.188% | 155 | |
17 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,629 | +0.182% | 104 | |
18 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | Strong | $2,773 | +0.141% | 103 | |
19 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | Strong | $922 | -0.100% | 98 | |
20 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,910 | -0.025% | 52 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
22 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,753 | -0.020% | 247 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $608 | -0.154% | 245 | |
25 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,788 | +0.270% | 126 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,744 | +0.375% | 122 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,593 | +0.327% | 115 | |
29 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,652 | +0.399% | 108 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,717 | -0.066% | 103 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.336% | 86 | |
32 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,161 | +0.421% | 78 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,346 | +0.126% | 74 | |
34 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Strong | $1,525 | +0.130% | 73 | |
35 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,426 | +0.110% | 65 | |
36 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Strong | Strong | Sound | $2,077 | +0.475% | 56 | |
37 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Sound | $1,987 | -0.444% | 56 | |
38 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $2,550 | +0.361% | 50 | |
39 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,623 | -0.084% | 263 | |
40 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $3,010 | +0.200% | 224 | |
41 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,200 | +0.355% | 223 | |
42 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $2,433 | +0.297% | 166 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,536 | +0.315% | 151 | |
44 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,408 | +0.538% | 104 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.163% | 56 | |
46 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,537 | +0.224% | 284 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,570 | +0.235% | 223 | |
48 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,575 | +0.415% | 177 | |
49 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,213 | +0.396% | 62 | |
50 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,590 | +0.181% | 52 |
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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