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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,482 | -0.050% | 1,409 | |
3 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $5,328 | +0.061% | 397 | |
4 | JET HOMELOANS, LP | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $1,987 | -0.444% | 56 | |
5 | FBC MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Exceptional | Sound | $3,016 | -0.247% | 52 | |
6 | GoPrime Mortgage, Inc. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,433 | +0.297% | 166 | |
7 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,003 | +0.208% | 903 | |
8 | American Security Mortgage Corp. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,970 | +0.103% | 403 | |
9 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,006 | +0.263% | 313 | |
10 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,943 | -0.070% | 280 | |
11 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,753 | -0.020% | 247 | |
12 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,514 | +0.147% | 220 | |
13 | MATTAMY HOME FUNDING, LLC | Exceptional | Strong | Strong | Exceptional | Strong | $1,229 | +0.703% | 185 | |
14 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $608 | -0.154% | 245 | |
15 | First Heritage Mortgage, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.280% | 177 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,717 | -0.066% | 103 | |
17 | RESICENTRAL, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,525 | +0.130% | 73 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,663 | +0.181% | 1,528 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,585 | +0.399% | 517 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,034 | -0.142% | 372 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,536 | +0.315% | 151 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,501 | -0.069% | 83 | |
23 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,018 | +0.199% | 52 | |
24 | Towne Mortgage of the Carolinas, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,010 | +0.200% | 224 | |
25 | FIRST HOME MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,200 | +0.355% | 223 | |
26 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,282 | +0.314% | 185 | |
27 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,575 | +0.415% | 177 | |
28 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,652 | +0.399% | 108 | |
29 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $1,629 | +0.182% | 104 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,967 | +0.345% | 419 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,570 | +0.235% | 223 | |
32 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,593 | +0.327% | 115 | |
33 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,842 | +0.336% | 86 | |
34 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Sound | $2,590 | +0.181% | 52 | |
35 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,537 | +0.224% | 284 | |
36 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $3,744 | +0.375% | 122 | |
37 | CITY FIRST MORTGAGE SERVICES, L.L.C. | Strong | Acceptable | Strong | Strong | Strong | $3,206 | +0.157% | 78 | |
38 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,161 | +0.421% | 78 | |
39 | SUMMIT FUNDING, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,213 | +0.396% | 62 | |
40 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,408 | +0.538% | 104 |
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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