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 | Strong | $1,590 | +0.405% | 44 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | +0.576% | 587 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,285 | +0.476% | 461 | |
4 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,256 | +0.177% | 15 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,168 | +0.469% | 27 | |
6 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,488 | +0.379% | 22 | |
7 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,147 | +0.572% | 21 | |
8 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,041 | +0.505% | 13 | |
9 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,573 | +0.687% | 282 | |
10 | BLG HOLDINGS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,060 | +0.669% | 154 | |
11 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,011 | +0.785% | 108 | |
12 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Strong | $2,792 | +0.820% | 95 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,267 | +0.995% | 49 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,606 | +1.013% | 49 | |
15 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,427 | +0.355% | 47 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,200 | +0.307% | 30 | |
17 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,095 | +0.628% | 50 | |
18 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,151 | +0.868% | 49 | |
19 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,506 | +0.360% | 39 | |
20 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.543% | 33 | |
21 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,553 | +0.983% | 33 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $802 | +0.535% | 29 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.698% | 25 | |
24 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,236 | +0.607% | 20 | |
25 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $908 | +0.782% | 18 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,542 | +0.958% | 12 | |
27 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $3,064 | +0.849% | 11 | |
28 | PRESTON HOME LOANS INC | Strong | Mediocre | Strong | Strong | Exceptional | $2,659 | +0.891% | 397 | |
29 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,011 | +0.621% | 51 | |
30 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,895 | +0.929% | 26 | |
31 | INSPIRE HOME LOANS INC. | Strong | Acceptable | Strong | Strong | Sound | $2,804 | +0.706% | 25 | |
32 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Sound | $1,992 | -0.040% | 15 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Strong | Acceptable | Sound | $3,950 | +0.653% | 21 | |
34 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | Sound | $2,625 | +1.101% | 18 | |
35 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,677 | +0.594% | 31 | |
36 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Sound | $2,927 | +0.587% | 18 | |
37 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Strong | Acceptable | Sound | $2,900 | +0.824% | 13 |
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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