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 | VICTORY MORTGAGE, L.L.C. | Exceptional | Exceptional | Strong | Strong | $658 | +0.143% | 164 | |
2 | U S WIDE FINANCIAL LLC | Exceptional | Exceptional | Sound | Strong | -$372 | -0.175% | 112 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,198 | +0.313% | 1,857 | |
4 | FLAT BRANCH MORTGAGE, INC. | Strong | Sound | Exceptional | Exceptional | $1,224 | +0.392% | 1,380 | |
5 | JLB CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,484 | +0.354% | 411 | |
6 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $1,254 | +0.077% | 76 | |
7 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Exceptional | $1,369 | +0.341% | 1,006 | |
8 | GERSHMAN INVESTMENT CORP. | Strong | Sound | Strong | Exceptional | $1,367 | +0.555% | 709 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,047 | +0.532% | 167 | |
10 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,118 | +0.519% | 2,800 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,559 | +0.446% | 1,941 | |
12 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Exceptional | $1,824 | +0.649% | 1,731 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,071 | +0.520% | 344 | |
14 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,999 | +0.806% | 338 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,997 | -0.052% | 220 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,088 | +0.381% | 175 | |
17 | MORTGAGE SOLUTIONS LLC | Strong | Strong | Acceptable | Strong | $1,175 | +0.316% | 81 | |
18 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,738 | +0.533% | 923 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,496 | +0.415% | 516 | |
20 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,010 | +0.567% | 470 | |
21 | FAMILY FINANCE MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $1,694 | +0.693% | 270 | |
22 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,272 | +0.604% | 207 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $1,693 | +0.356% | 168 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,168 | +0.319% | 136 | |
25 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Sound | Exceptional | $2,077 | +0.654% | 1,836 | |
26 | ENDEAVOR CAPITAL, LLC. | Strong | Acceptable | Sound | Exceptional | $2,045 | +0.456% | 596 | |
27 | LEADERONE FINANCIAL CORPORATION | Strong | Acceptable | Strong | Strong | $2,350 | +0.722% | 264 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,286 | +0.504% | 208 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,163 | +0.706% | 182 | |
30 | FIRST INTEGRITY MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | $1,752 | +0.499% | 148 | |
31 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $872 | +0.501% | 125 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,153 | +0.325% | 89 | |
33 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $1,547 | +0.474% | 359 | |
34 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $1,579 | +0.476% | 274 | |
35 | GENEVA FINANCIAL, LLC | Sound | Mediocre | Exceptional | Strong | $3,204 | +0.713% | 238 | |
36 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | $1,970 | +0.927% | 101 | |
37 | FRONTIER FINANCIAL, INC. | Sound | Acceptable | Sound | Strong | $1,630 | +0.557% | 94 | |
38 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $4,620 | +0.824% | 96 | |
39 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,056 | +0.440% | 73 | |
40 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,597 | +0.795% | 89 | |
41 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,001 | +1.417% | 75 |
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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