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 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | Exceptional | $708 | -0.053% | 973 | |
2 | FIRST EQUITY MORTGAGE INCORPORATED | Exceptional | Strong | Strong | Sound | Exceptional | $859 | +0.281% | 429 | |
3 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,642 | +0.357% | 373 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,474 | +0.297% | 2,016 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,810 | +0.380% | 1,980 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,185 | +0.404% | 202 | |
7 | SIBCY CLINE MORTGAGE SERVICES, INC. | Strong | Strong | Sound | Sound | Exceptional | $1,521 | +0.207% | 161 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,184 | +0.211% | 76 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,830 | +0.661% | 882 | |
10 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390 | +0.237% | 858 | |
11 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,118 | +0.477% | 687 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,543 | +0.601% | 625 | |
13 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865 | +0.419% | 616 | |
14 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,231 | +0.618% | 488 | |
15 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,016 | +0.652% | 326 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,354 | +0.084% | 155 | |
17 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,531 | +0.457% | 396 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.529% | 270 | |
19 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,764 | +0.518% | 264 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $4,484 | +0.688% | 241 | |
21 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,552 | +0.375% | 232 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,917 | +0.481% | 221 | |
23 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,319 | +0.307% | 197 | |
24 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,578 | +0.498% | 139 | |
25 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,550 | +0.727% | 124 | |
26 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,083 | +0.032% | 67 | |
27 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,169 | +0.650% | 368 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,025 | +0.392% | 343 | |
29 | NATIONS RELIABLE LENDING, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $3,112 | +0.517% | 287 | |
30 | BAYSHORE MORTGAGE FUNDING, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,959 | +0.599% | 279 | |
31 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,823 | -0.063% | 225 | |
32 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,179 | +0.779% | 159 | |
33 | 3RD STREET FINANCIAL CORP. | Strong | Strong | Acceptable | Acceptable | Strong | $935 | +0.332% | 114 | |
34 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Strong | $2,952 | +0.534% | 97 | |
35 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $918 | +0.308% | 63 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,108 | +0.432% | 62 | |
37 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,369 | +0.529% | 360 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,413 | +0.795% | 315 | |
39 | AMERICAN FINANCIAL RESOURCES, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,504 | +0.649% | 155 | |
40 | CHURCHILL MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,066 | +0.512% | 109 | |
41 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,412 | +0.372% | 89 | |
42 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,121 | +0.755% | 115 | |
43 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Strong | Strong | $4,440 | +0.832% | 78 | |
44 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Sound | Sound | Exceptional | $4,025 | +0.587% | 233 | |
45 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,519 | +0.555% | 117 | |
46 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Strong | $5,434 | +0.619% | 83 | |
47 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $3,062 | +0.563% | 67 | |
48 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Strong | $3,873 | +0.918% | 73 |
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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