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