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 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,306 | +0.166% | 151 | |
2 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Strong | $1,004 | +0.086% | 27 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Acceptable | -$672 | +0.067% | 10 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,201 | +0.269% | 347 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,896 | +0.265% | 323 | |
6 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,165 | +0.292% | 184 | |
7 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,909 | +0.408% | 106 | |
8 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,610 | +0.302% | 28 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,385 | +0.255% | 23 | |
10 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,515 | +0.678% | 76 | |
11 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,281 | +0.096% | 44 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,301 | +0.751% | 40 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,873 | -0.129% | 11 | |
14 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,811 | -0.168% | 57 | |
15 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,163 | +1.474% | 24 | |
16 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,451 | +0.271% | 18 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,847 | +0.646% | 18 | |
18 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,746 | +0.649% | 14 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,074 | -0.264% | 13 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,454 | +0.477% | 19 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,446 | +0.807% | 15 | |
22 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,345 | +0.382% | 11 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,158 | +0.324% | 10 | |
24 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | Sound | $1,887 | +0.569% | 10 | |
25 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $3,934 | +0.338% | 16 | |
26 | TJC Mortgage, Inc. | Sound | Mediocre | Strong | Sound | Sound | $3,939 | +0.457% | 15 |
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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