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 | Exceptional | Strong | Exceptional | Exceptional | $1,742 | -0.335% | 177 | |
2 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,407 | -0.144% | 285 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,131 | +0.148% | 74 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,943 | +0.217% | 440 | |
5 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.196% | 412 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,474 | -0.140% | 22 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.388% | 352 | |
8 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,281 | -0.083% | 85 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,432 | +0.536% | 66 | |
10 | Cambria Financial Group, LLC | Strong | Sound | Strong | Strong | Strong | $3,744 | +0.334% | 60 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $3,695 | +0.253% | 43 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,358 | +0.370% | 162 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,488 | +0.318% | 62 | |
14 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,522 | +0.461% | 21 | |
15 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,659 | +0.148% | 38 | |
16 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,160 | +0.453% | 35 | |
17 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,505 | +0.304% | 83 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $2,162 | +0.020% | 15 | |
19 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,560 | +0.601% | 42 | |
20 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,058 | +0.692% | 22 | |
21 | NextMortgage, LLC | Sound | Mediocre | Strong | Strong | Sound | $4,233 | +1.269% | 39 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $3,649 | +0.947% | 25 |
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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