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