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 | $1,911 | +0.411% | 101 | |
2 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.346% | 33 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,184 | +0.570% | 257 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,339 | +0.390% | 137 | |
5 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,869 | +0.128% | 15 | |
6 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,589 | +0.627% | 80 | |
7 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,075 | +0.923% | 88 | |
8 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,256 | +0.313% | 41 | |
9 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,964 | +1.012% | 35 | |
10 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,608 | +0.569% | 33 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,328 | +0.343% | 28 | |
12 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $2,657 | +1.017% | 23 | |
13 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,675 | +0.363% | 14 | |
14 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,155 | +1.090% | 10 | |
15 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,078 | +0.982% | 30 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,943 | +0.677% | 14 | |
17 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,227 | +0.599% | 10 |
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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