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 | Sound | Exceptional | Exceptional | Exceptional | $2,285 | +0.476% | 461 | |
2 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,427 | +0.355% | 47 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $2,506 | +0.360% | 39 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,276 | +0.970% | 17 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | +0.576% | 587 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,200 | +0.307% | 30 | |
7 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,559 | +0.451% | 13 | |
8 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,095 | +0.628% | 50 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,267 | +0.995% | 49 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,168 | +0.469% | 27 | |
11 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,895 | +0.929% | 26 | |
12 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Sound | $2,804 | +0.706% | 25 | |
13 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,573 | +0.687% | 282 | |
14 | STAUNTON FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Strong | $1,590 | +0.405% | 44 | |
15 | PRESTON HOME LOANS INC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,659 | +0.891% | 397 | |
16 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,011 | +0.785% | 108 | |
17 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,011 | +0.621% | 51 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.543% | 33 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $802 | +0.535% | 29 | |
20 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.698% | 25 | |
21 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,147 | +0.572% | 21 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,236 | +0.607% | 20 | |
23 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,178 | +1.606% | 15 | |
24 | BLG HOLDINGS, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $3,060 | +0.669% | 154 | |
25 | MORTGAGE 1 INCORPORATED | Strong | Mediocre | Exceptional | Strong | Strong | $2,792 | +0.820% | 95 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,606 | +1.013% | 49 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,488 | +0.379% | 22 | |
28 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,950 | +0.653% | 21 | |
29 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $2,900 | +0.824% | 13 | |
30 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,064 | +0.849% | 11 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,151 | +0.868% | 49 | |
32 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,553 | +0.983% | 33 | |
33 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,677 | +0.594% | 31 | |
34 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $2,927 | +0.587% | 18 | |
35 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $6,075 | +1.640% | 17 |
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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