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 | LENDLO MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $2,474 | -0.857% | 567 | |
3 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $1,606 | -0.789% | 77 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,099 | -0.024% | 1,858 | |
5 | CLM MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Strong | $3,486 | +0.213% | 249 | |
6 | SOUTHERN LENDING SERVICES, LTD. | Exceptional | Exceptional | Strong | Exceptional | Strong | $1,895 | -0.730% | 76 | |
7 | DIRECTIONS EQUITY, LLC | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,735 | +0.049% | 703 | |
8 | CORNERSTONE CAPITAL BANK, SSB | Exceptional | Strong | Exceptional | Exceptional | Strong | $4,126 | +0.080% | 447 | |
9 | PARKSTONE MORTGAGE, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $987 | -0.862% | 316 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,044 | -0.572% | 301 | |
11 | CRESTMARK MORTGAGE COMPANY, LTD. | Exceptional | Exceptional | Strong | Strong | Strong | $2,961 | -0.752% | 261 | |
12 | PRIORITY HOME MORTGAGE, L.P. | Exceptional | Exceptional | Strong | Strong | Strong | $957 | -1.104% | 162 | |
13 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $583 | -0.350% | 84 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $3,150 | +0.071% | 816 | |
15 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,447 | +0.167% | 350 | |
16 | INSPIRE HOME LOANS INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,179 | +0.775% | 348 | |
17 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,866 | +0.070% | 340 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,013 | -0.264% | 228 | |
19 | SFMC, LP | Exceptional | Strong | Exceptional | Strong | Strong | $3,742 | +0.298% | 148 | |
20 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,809 | +0.140% | 141 | |
21 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,220 | -0.547% | 984 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,104 | +0.025% | 491 | |
23 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,671 | +0.073% | 489 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,168 | -0.179% | 438 | |
25 | M/I FINANCIAL, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $6,049 | -0.770% | 364 | |
26 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,689 | +0.119% | 197 | |
27 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,095 | +0.336% | 167 | |
28 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,948 | -0.151% | 161 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,208 | +0.420% | 1,717 | |
30 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $3,951 | +0.397% | 285 | |
31 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,834 | +0.320% | 270 | |
32 | First United Bank and Trust Company | Strong | Sound | Exceptional | Strong | Strong | $2,782 | +0.241% | 169 | |
33 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,529 | +0.221% | 125 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,604 | +0.086% | 115 | |
35 | PENTAGON FEDERAL CREDIT UNION | Strong | Strong | Exceptional | Sound | Sound | $2,814 | -0.163% | 75 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,886 | +0.373% | 250 | |
37 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Strong | $1,700 | +0.055% | 167 | |
38 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,273 | +0.252% | 103 | |
39 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,223 | +0.270% | 82 | |
40 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Sound | $2,667 | +0.370% | 75 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,183 | +0.588% | 744 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,024 | +0.502% | 496 | |
43 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,498 | +0.453% | 491 | |
44 | PILGRIM MORTGAGE LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,351 | +0.335% | 446 | |
45 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,639 | +0.290% | 281 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,813 | +0.515% | 211 | |
47 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $4,794 | +0.216% | 201 | |
48 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,957 | +0.384% | 185 | |
49 | BROOKHOLLOW MORTGAGE SERVICES, LTD. | Strong | Acceptable | Strong | Exceptional | Strong | $2,322 | -1.198% | 166 | |
50 | MORTGAGE FINANCIAL SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.240% | 144 |
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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