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 | $714 | -0.220% | 365 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,177 | -0.120% | 71 | |
3 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,654 | +0.342% | 446 | |
4 | THE EQUITABLE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Sound | Exceptional | $1,612 | +0.110% | 419 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,967 | +0.358% | 1,760 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,358 | +0.244% | 1,381 | |
7 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,521 | +0.287% | 319 | |
8 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,809 | +0.233% | 181 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,752 | +0.438% | 149 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,642 | +0.633% | 1,116 | |
11 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,229 | +0.714% | 1,042 | |
12 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,262 | +0.562% | 701 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.213% | 615 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,676 | +0.098% | 246 | |
15 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,576 | +0.054% | 62 | |
16 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,695 | +0.077% | 654 | |
17 | GO MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,806 | +0.556% | 333 | |
18 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,146 | +0.472% | 299 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,151 | +0.607% | 282 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,384 | +0.334% | 246 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,441 | +0.433% | 173 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,885 | +0.555% | 164 | |
23 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,680 | +0.563% | 138 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,629 | +0.365% | 100 | |
25 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $4,043 | -0.038% | 89 | |
26 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,117 | +0.603% | 57 | |
27 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,822 | +0.587% | 1,737 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,574 | +0.510% | 270 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,826 | +0.356% | 198 | |
30 | HOMESPIRE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,057 | +0.257% | 88 | |
31 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,116 | +0.290% | 84 | |
32 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,457 | +0.730% | 84 | |
33 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,270 | +0.733% | 84 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,044 | +0.639% | 285 | |
35 | UIF CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,554 | +0.572% | 69 | |
36 | DEVELOPER'S MORTGAGE COMPANY | Strong | Acceptable | Strong | Sound | Strong | $859 | +0.244% | 63 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Strong | $4,229 | +0.572% | 77 | |
38 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,513 | +0.784% | 75 | |
39 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $3,598 | +0.771% | 64 | |
40 | RMC HOME MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Strong | $4,794 | +0.098% | 240 | |
41 | RAPID MORTGAGE COMPANY | Sound | Mediocre | Sound | Sound | Exceptional | $3,942 | +0.649% | 231 | |
42 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Strong | $5,170 | +0.443% | 62 |
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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