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 | $1,742 | -0.335% | 177 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,407 | -0.144% | 285 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,943 | +0.217% | 440 | |
4 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,677 | +0.196% | 412 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.388% | 352 | |
6 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,281 | -0.083% | 85 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,432 | +0.536% | 66 | |
8 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,659 | +0.148% | 38 | |
9 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,358 | +0.370% | 162 | |
10 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,505 | +0.304% | 83 | |
11 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,131 | +0.148% | 74 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,474 | -0.140% | 22 | |
13 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,522 | +0.461% | 21 | |
14 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,695 | +0.253% | 43 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,560 | +0.601% | 42 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,160 | +0.453% | 35 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,058 | +0.692% | 22 | |
18 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,841 | +0.556% | 16 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,623 | +0.637% | 212 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,488 | +0.318% | 62 | |
21 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,744 | +0.334% | 60 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,649 | +0.947% | 25 | |
23 | AgCountry Farm Credit Services, FLCA | Sound | Mediocre | Sound | Strong | Sound | $2,924 | +0.601% | 33 | |
24 | NextMortgage, LLC | Sound | Mediocre | Sound | Sound | Sound | $4,233 | +1.269% | 39 |
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.
Get personalized recommendations based on your specific needs