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