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 | Sound | $2,641 | +0.024% | 12 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,024 | +0.143% | 352 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,105 | +0.136% | 157 | |
4 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,589 | +0.097% | 42 | |
5 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,381 | +0.379% | 106 | |
6 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $5,331 | +0.185% | 87 | |
7 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,378 | +0.361% | 36 | |
8 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,547 | -0.002% | 26 | |
9 | PREMIER MORTGAGE RESOURCES, L.L.C. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,844 | +0.306% | 105 | |
10 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $4,498 | +0.268% | 58 | |
11 | FRANKLIN LOAN CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $4,167 | +0.396% | 50 | |
12 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,491 | +0.387% | 27 | |
13 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $5,911 | +0.151% | 26 | |
14 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,602 | +0.439% | 19 | |
15 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,359 | +0.246% | 18 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,690 | +0.424% | 13 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $332 | -0.231% | 12 | |
18 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,941 | +0.574% | 59 | |
19 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Sound | $4,783 | +0.599% | 25 | |
20 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,199 | +0.314% | 24 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,365 | +0.203% | 11 | |
22 | FlexPoint, Inc. | Sound | Mediocre | Strong | Sound | Exceptional | $3,486 | +0.426% | 70 | |
23 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $5,355 | +0.521% | 16 | |
24 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $3,836 | +0.328% | 10 | |
25 | BAY-VALLEY MORTGAGE GROUP | Sound | Acceptable | Sound | Sound | Sound | $4,532 | +0.559% | 20 | |
26 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $6,922 | +0.608% | 25 | |
27 | ML Mortgage Corp. | Sound | Mediocre | Sound | Sound | Sound | $6,977 | +0.329% | 11 |
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