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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Strong | $612 | -0.852% | 184 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $478 | -0.146% | 188 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
4 | VANDERBILT MORTGAGE AND FINANCE, INC. | Strong | Sound | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
5 | MATTAMY HOME FUNDING, LLC | Strong | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
6 | FBC MORTGAGE, LLC | Strong | Strong | Exceptional | Sound | $3,016 | -0.247% | 52 | |
7 | American Security Mortgage Corp. | Strong | Sound | Strong | Exceptional | $1,970 | +0.103% | 403 | |
8 | First Heritage Mortgage, LLC | Strong | Sound | Exceptional | Strong | $2,342 | +0.280% | 177 | |
9 | GoPrime Mortgage, Inc. | Strong | Sound | Exceptional | Strong | $2,433 | +0.297% | 166 | |
10 | JET HOMELOANS, LP | Strong | Strong | Strong | Sound | $1,987 | -0.444% | 56 | |
11 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Sound | $158 | -0.111% | 55 | |
12 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,003 | +0.208% | 903 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,034 | -0.142% | 372 | |
17 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,943 | -0.070% | 280 | |
18 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,753 | -0.020% | 247 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,514 | +0.147% | 220 | |
20 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | $1,629 | +0.182% | 104 | |
21 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Sound | Strong | Strong | $2,773 | +0.141% | 103 | |
22 | General Mortgage Capital Corporation | Strong | Sound | Strong | Strong | $922 | -0.100% | 98 | |
23 | INTERCOASTAL MORTGAGE, LLC | Strong | Sound | Exceptional | Sound | $2,077 | +0.475% | 56 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $608 | -0.154% | 245 | |
25 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Exceptional | $3,010 | +0.200% | 224 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | $3,282 | +0.314% | 185 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Strong | $4,575 | +0.415% | 177 | |
28 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Strong | $2,533 | +0.188% | 155 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,788 | +0.270% | 126 | |
30 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | $2,652 | +0.399% | 108 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,717 | -0.066% | 103 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,842 | +0.336% | 86 | |
33 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,501 | -0.069% | 83 | |
34 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $1,525 | +0.130% | 73 | |
35 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,910 | -0.025% | 52 | |
36 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Sound | $2,550 | +0.361% | 50 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,967 | +0.345% | 419 | |
38 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,006 | +0.263% | 313 | |
39 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | $2,537 | +0.224% | 284 | |
40 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,623 | -0.084% | 263 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,570 | +0.235% | 223 | |
42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $3,744 | +0.375% | 122 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,593 | +0.327% | 115 | |
44 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,346 | +0.126% | 74 | |
45 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Strong | $2,426 | +0.110% | 65 | |
46 | SFMC, LP | Strong | Acceptable | Strong | Strong | $4,655 | +0.422% | 65 | |
47 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,536 | +0.315% | 151 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,408 | +0.538% | 104 | |
49 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,822 | +0.163% | 56 | |
50 | Primis Mortgage Company | Sound | Acceptable | Strong | Sound | $2,590 | +0.181% | 52 |
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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