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 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,246 | +0.361% | 469 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,452 | +0.354% | 1,043 | |
4 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $2,613 | +0.437% | 193 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.505% | 156 | |
6 | FIRST EQUITY MORTGAGE INCORPORATED | Strong | Strong | Strong | Sound | Strong | $1,071 | +0.010% | 122 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
8 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,264 | +0.295% | 828 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,404 | +0.694% | 528 | |
10 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,165 | +0.417% | 189 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,742 | +0.106% | 135 | |
12 | Synergy One Lending, Inc. | Strong | Acceptable | Strong | Strong | Exceptional | $3,520 | +0.540% | 472 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,187 | +0.264% | 349 | |
14 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,839 | +0.254% | 246 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,814 | +0.322% | 230 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,470 | +0.587% | 210 | |
17 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,777 | +0.611% | 131 | |
18 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,555 | +0.424% | 128 | |
19 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,472 | +0.613% | 86 | |
20 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.998% | 67 | |
21 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,011 | +0.566% | 194 | |
22 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,750 | +0.787% | 118 | |
23 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,758 | +0.603% | 113 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,070 | +0.595% | 85 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,810 | +0.732% | 70 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,425 | +0.628% | 433 | |
27 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,530 | +0.741% | 141 | |
28 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,880 | +0.811% | 131 | |
29 | YOUR HOME FINANCIAL LLC | Sound | Acceptable | Sound | Sound | Strong | $3,077 | +0.443% | 158 | |
30 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Strong | $4,127 | +1.187% | 75 | |
31 | ZILLOW HOME LOANS, LLC | Sound | Acceptable | Strong | Sound | Sound | $2,367 | +0.721% | 59 | |
32 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,283 | +0.662% | 51 | |
33 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Strong | Strong | Sound | $4,329 | +0.720% | 49 | |
34 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | Exceptional | $3,268 | +0.813% | 304 | |
35 | Click n' Close, Inc. | Sound | Mediocre | Strong | Sound | Sound | $6,089 | +1.650% | 66 | |
36 | Farm Credit Mid-America, ACA | Sound | Mediocre | Strong | Sound | Sound | $4,933 | +0.603% | 58 |
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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