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