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 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Sound | Strong | $957 | -1.104% | 162 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,107 | -0.199% | 75 | |
3 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220 | -0.547% | 984 | |
4 | VELOCIO MORTGAGE L.L.C. | Exceptional | Strong | Strong | Sound | Exceptional | $1,333 | -1.089% | 682 | |
5 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Acceptable | Strong | $987 | -0.862% | 316 | |
6 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Sound | Sound | Strong | $1,895 | -0.730% | 76 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,168 | -0.179% | 438 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,604 | +0.086% | 115 | |
11 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,799 | +0.087% | 111 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,013 | -0.264% | 228 | |
13 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794 | +0.216% | 201 | |
14 | JET HOMELOANS, LP | Strong | Sound | Strong | Strong | Strong | $1,606 | -0.789% | 77 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,024 | +0.502% | 496 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $4,104 | +0.025% | 491 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,498 | +0.453% | 491 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,671 | +0.073% | 489 | |
19 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,351 | +0.335% | 446 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.167% | 350 | |
21 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,866 | +0.070% | 340 | |
22 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,639 | +0.290% | 281 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,886 | +0.373% | 250 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,813 | +0.515% | 211 | |
25 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.119% | 197 | |
26 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,957 | +0.384% | 185 | |
27 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,095 | +0.336% | 167 | |
28 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,175 | +0.351% | 142 | |
29 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,809 | +0.140% | 141 | |
30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Strong | $4,938 | +0.322% | 114 | |
31 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $2,770 | +0.393% | 91 | |
32 | LENDLO MORTGAGE, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,474 | -0.857% | 567 | |
33 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $6,049 | -0.770% | 364 | |
34 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Strong | $2,179 | +0.775% | 348 | |
35 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,734 | +0.459% | 308 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,834 | +0.320% | 270 | |
37 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,187 | +0.240% | 144 | |
38 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,073 | +0.482% | 76 | |
39 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,667 | +0.370% | 75 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,183 | +0.588% | 744 | |
41 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Strong | Strong | Exceptional | $4,958 | +0.330% | 649 | |
42 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,862 | +0.572% | 387 | |
43 | CLM MORTGAGE, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,486 | +0.213% | 249 | |
44 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Sound | Strong | $5,050 | +0.210% | 159 | |
45 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $4,608 | +0.517% | 126 | |
46 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,669 | +0.378% | 124 | |
47 | Primis Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,273 | +0.252% | 103 | |
48 | CRESTMARK MORTGAGE COMPANY, LTD. | Sound | Acceptable | Sound | Sound | Strong | $2,961 | -0.752% | 261 | |
49 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Strong | $4,409 | +1.591% | 94 | |
50 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $4,434 | +0.598% | 80 |
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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