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 | VELOCIO MORTGAGE L.L.C. | Exceptional | Exceptional | Exceptional | Exceptional | Strong | $612 | -0.852% | 184 | |
2 | MATTAMY HOME FUNDING, LLC | Exceptional | Exceptional | Strong | Strong | Strong | $1,229 | +0.703% | 185 | |
3 | First Heritage Mortgage, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,987 | -0.444% | 56 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
6 | American Security Mortgage Corp. | Exceptional | Strong | Strong | Strong | Exceptional | $1,970 | +0.103% | 403 | |
7 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
8 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,753 | -0.020% | 247 | |
10 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Sound | $3,016 | -0.247% | 52 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,943 | -0.070% | 280 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
15 | M/I FINANCIAL, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,623 | -0.084% | 263 | |
16 | Towne Mortgage of the Carolinas, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,010 | +0.200% | 224 | |
17 | CORPORATE INVESTORS MORTGAGE GROUP, INC | Strong | Strong | Sound | Strong | Strong | $2,773 | +0.141% | 103 | |
18 | INTERCOASTAL MORTGAGE, LLC | Strong | Strong | Strong | Strong | Sound | $2,077 | +0.475% | 56 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,003 | +0.208% | 903 | |
20 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
21 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575 | +0.415% | 177 | |
22 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,533 | +0.188% | 155 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,536 | +0.315% | 151 | |
24 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652 | +0.399% | 108 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,717 | -0.066% | 103 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,842 | +0.336% | 86 | |
27 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,537 | +0.224% | 284 | |
28 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $608 | -0.154% | 245 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,788 | +0.270% | 126 | |
31 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590 | +0.181% | 52 | |
32 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Sound | $2,550 | +0.361% | 50 | |
33 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,200 | +0.355% | 223 | |
34 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,501 | -0.069% | 83 | |
35 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,213 | +0.396% | 62 | |
36 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.163% | 56 | |
37 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,910 | -0.025% | 52 | |
38 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
39 | GoPrime Mortgage, Inc. | Strong | Acceptable | Strong | Sound | Strong | $2,433 | +0.297% | 166 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,593 | +0.327% | 115 | |
41 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,161 | +0.421% | 78 | |
42 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,408 | +0.538% | 104 | |
43 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Sound | Mediocre | Strong | Strong | Strong | $3,206 | +0.157% | 78 |
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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