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