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