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 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
14 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $6,049 | -0.770% | 364 | |
15 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $2,179 | +0.775% | 348 | |
16 | CLM MORTGAGE, INC. | Strong | Sound | Strong | Exceptional | Strong | $3,486 | +0.213% | 249 | |
17 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,187 | +0.240% | 144 | |
18 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,809 | +0.140% | 141 | |
19 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,104 | +0.025% | 491 | |
20 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $4,351 | +0.335% | 446 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,834 | +0.320% | 270 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,886 | +0.373% | 250 | |
23 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,794 | +0.216% | 201 | |
24 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Sound | Strong | Strong | Strong | $2,322 | -1.198% | 166 | |
25 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,273 | +0.252% | 103 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,073 | +0.482% | 76 | |
27 | GARDNER FINANCIAL SERVICES, LTD. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,958 | +0.330% | 649 | |
28 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,498 | +0.453% | 491 | |
29 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,671 | +0.073% | 489 | |
30 | RIGHT START MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | Exceptional | $4,862 | +0.572% | 387 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.167% | 350 | |
32 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,639 | +0.290% | 281 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.119% | 197 | |
34 | LOANPEOPLE, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $5,050 | +0.210% | 159 | |
35 | SFMC, LP | Strong | Acceptable | Exceptional | Strong | Strong | $3,742 | +0.298% | 148 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $5,175 | +0.351% | 142 | |
37 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,669 | +0.378% | 124 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,604 | +0.086% | 115 | |
39 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,799 | +0.087% | 111 | |
40 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,916 | +0.734% | 106 | |
41 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,594 | +0.543% | 85 | |
42 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,183 | +0.588% | 744 | |
43 | CRESTMARK MORTGAGE COMPANY, LTD. | Strong | Acceptable | Strong | Strong | Strong | $2,961 | -0.752% | 261 | |
44 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,957 | +0.384% | 185 | |
45 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,608 | +0.517% | 126 | |
46 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,938 | +0.322% | 114 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,667 | +0.370% | 75 | |
48 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,024 | +0.502% | 496 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,813 | +0.515% | 211 | |
50 | SOUTHWEST FUNDING, LP | Strong | Mediocre | Exceptional | Strong | Strong | $5,264 | +0.432% | 99 |
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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