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