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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $628 | -0.050% | 223 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,085 | +0.037% | 121 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,607 | +0.279% | 1,801 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $4,291 | +0.004% | 966 | |
5 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Exceptional | $1,858 | +0.375% | 1,232 | |
6 | MJW FINANCIAL LLC | Strong | Sound | Strong | Exceptional | $1,564 | +0.354% | 1,020 | |
7 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,005 | +0.126% | 128 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,533 | +0.386% | 2,281 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,630 | +0.552% | 1,580 | |
10 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,193 | +0.661% | 647 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,950 | +0.346% | 501 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,977 | +0.371% | 261 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,102 | +0.456% | 251 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,428 | -0.038% | 144 | |
15 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Sound | $1,686 | +0.297% | 83 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,829 | +0.636% | 804 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,085 | +0.440% | 421 | |
18 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Exceptional | $6,197 | -0.533% | 414 | |
19 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,767 | +0.628% | 240 | |
20 | GoodLeap, LLC | Strong | Sound | Sound | Strong | $4,021 | +0.032% | 210 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,728 | +0.596% | 117 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,132 | +0.567% | 105 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,290 | +0.105% | 102 | |
24 | GVC MORTGAGE, INC. | Strong | Mediocre | Exceptional | Exceptional | $3,161 | +0.446% | 1,693 | |
25 | NEWREZ LLC | Strong | Acceptable | Sound | Exceptional | $2,167 | +0.470% | 731 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,742 | +0.444% | 520 | |
27 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | $2,260 | +0.506% | 337 | |
28 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,196 | +0.363% | 264 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,227 | +0.652% | 206 | |
30 | LOWER, LLC | Strong | Acceptable | Strong | Strong | $1,843 | +0.581% | 135 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,107 | +0.299% | 100 | |
32 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Strong | Strong | $2,806 | +0.249% | 99 | |
33 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,778 | +0.660% | 89 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Sound | $3,009 | +0.635% | 77 | |
35 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,547 | +0.785% | 286 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $3,578 | +0.269% | 121 | |
37 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,970 | +0.371% | 83 | |
38 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $1,874 | +0.701% | 77 | |
39 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | $2,546 | +0.649% | 69 | |
40 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $2,564 | +0.483% | 274 | |
41 | MILESTONE HOME LENDING, LLC | Sound | Mediocre | Sound | Exceptional | $3,338 | +0.624% | 235 | |
42 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,175 | +0.631% | 147 | |
43 | First Option Mortgage, LLC | Sound | Mediocre | Strong | Strong | $4,215 | +0.688% | 131 | |
44 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $2,858 | +0.561% | 294 | |
45 | Wolfe Financial, Inc | Sound | Mediocre | Sound | Strong | $2,466 | +0.748% | 146 | |
46 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $4,358 | +0.706% | 94 | |
47 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,814 | +1.153% | 72 |
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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