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 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,059 | +0.497% | 45 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,335 | +1.156% | 19 | |
3 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.562% | 115 | |
4 | Centier Bank | Strong | Strong | Sound | Sound | Exceptional | $1,096 | +0.545% | 46 | |
5 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $5,075 | +0.134% | 34 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $1,855 | +0.552% | 22 | |
7 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,266 | -0.200% | 12 | |
8 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,838 | +1.049% | 32 | |
9 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,762 | +0.914% | 26 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,218 | +0.376% | 21 | |
11 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,460 | +0.827% | 15 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,328 | +0.521% | 51 | |
13 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.495% | 32 | |
14 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,200 | +0.536% | 27 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,124 | +0.479% | 13 | |
16 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,649 | +0.875% | 38 | |
17 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,380 | +0.395% | 12 | |
18 | DIAMOND RESIDENTIAL MORTGAGE CORPORATION | Strong | Mediocre | Strong | Exceptional | Strong | $2,579 | +1.007% | 26 | |
19 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,974 | +0.887% | 20 | |
20 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,981 | +0.651% | 16 |
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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