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 | VALLEY MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,808 | -0.277% | 211 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,210 | +0.239% | 184 | |
3 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $3,795 | +0.117% | 43 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,327 | +0.351% | 114 | |
5 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,278 | -0.200% | 45 | |
6 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,265 | +0.358% | 27 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,916 | -0.251% | 14 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,196 | -0.056% | 109 | |
9 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,346 | +0.375% | 94 | |
10 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,697 | +0.186% | 42 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,823 | -0.066% | 12 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,613 | +0.438% | 23 | |
13 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,473 | +0.065% | 12 | |
14 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,714 | +0.311% | 75 | |
15 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,288 | +0.356% | 28 | |
16 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Acceptable | $1,960 | +0.417% | 10 |
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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