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