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 | $1,333 | -1.089% | 682 | |
2 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,606 | -0.789% | 77 | |
3 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,735 | +0.049% | 703 | |
4 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $987 | -0.862% | 316 | |
5 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Strong | $957 | -1.104% | 162 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
7 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,474 | -0.857% | 567 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,168 | -0.179% | 438 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,866 | +0.070% | 340 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220 | -0.547% | 984 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,013 | -0.264% | 228 | |
12 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,095 | +0.336% | 167 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $583 | -0.350% | 84 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
15 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $6,049 | -0.770% | 364 | |
16 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,179 | +0.775% | 348 | |
17 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $3,486 | +0.213% | 249 | |
18 | First United Bank and Trust Company | Strong | Sound | Exceptional | Strong | Strong | $2,782 | +0.241% | 169 | |
19 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,187 | +0.240% | 144 | |
20 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,809 | +0.140% | 141 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,529 | +0.221% | 125 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $3,150 | +0.071% | 816 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,104 | +0.025% | 491 | |
24 | CORNERSTONE CAPITAL BANK, SSB | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,126 | +0.080% | 447 | |
25 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,351 | +0.335% | 446 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,834 | +0.320% | 270 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,886 | +0.373% | 250 | |
28 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794 | +0.216% | 201 | |
29 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $2,322 | -1.198% | 166 | |
30 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,273 | +0.252% | 103 | |
31 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,223 | +0.270% | 82 | |
32 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,073 | +0.482% | 76 | |
33 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Sound | $2,814 | -0.163% | 75 | |
34 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,958 | +0.330% | 649 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,498 | +0.453% | 491 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,671 | +0.073% | 489 | |
37 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.167% | 350 | |
38 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,951 | +0.397% | 285 | |
39 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,639 | +0.290% | 281 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.119% | 197 | |
41 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $5,050 | +0.210% | 159 | |
42 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.298% | 148 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,175 | +0.351% | 142 | |
44 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,669 | +0.378% | 124 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,604 | +0.086% | 115 | |
46 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,799 | +0.087% | 111 | |
47 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.734% | 106 | |
48 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,594 | +0.543% | 85 | |
49 | Sunflower Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $3,917 | +0.144% | 78 | |
50 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $2,961 | -0.752% | 261 |
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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