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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Exceptional | $1,210 | +0.126% | 923 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,231 | +0.414% | 14,800 | |
3 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
4 | OAK MORTGAGE, LLC | Strong | Strong | Strong | Strong | $1,125 | +0.239% | 308 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,148 | +0.439% | 457 | |
6 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,007 | +0.426% | 14,284 | |
7 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $2,750 | +0.558% | 3,179 | |
8 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,000 | +0.809% | 2,797 | |
9 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,071 | +0.334% | 923 | |
10 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,883 | +0.420% | 670 | |
11 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,772 | +0.672% | 649 | |
12 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $2,074 | +0.382% | 615 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,191 | +0.489% | 568 | |
14 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,071 | +0.110% | 449 | |
15 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,753 | +0.748% | 1,673 | |
16 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,352 | +0.553% | 991 | |
17 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Exceptional | $2,282 | +0.638% | 918 | |
18 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,792 | +0.547% | 917 | |
19 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,234 | +0.445% | 597 | |
20 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,168 | +0.544% | 526 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,272 | +0.515% | 373 | |
22 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | $2,966 | +0.665% | 352 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,941 | +0.309% | 282 | |
24 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,731 | +0.615% | 263 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,704 | +0.557% | 246 | |
26 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,308 | +0.690% | 239 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,411 | +0.709% | 1,686 | |
28 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Sound | Exceptional | $2,249 | +0.765% | 721 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,473 | +0.526% | 669 | |
30 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,527 | +0.442% | 573 | |
31 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $2,289 | +0.652% | 507 | |
32 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $1,590 | +0.912% | 434 | |
33 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Acceptable | Strong | Strong | $3,853 | +0.390% | 431 | |
34 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,405 | +0.521% | 395 | |
35 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,084 | +0.510% | 374 | |
36 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Strong | Strong | $1,928 | +0.456% | 311 | |
37 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $3,362 | +1.227% | 294 | |
38 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,204 | +0.577% | 1,040 | |
39 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Exceptional | $2,818 | +0.840% | 989 | |
40 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Exceptional | $4,150 | +0.565% | 866 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,781 | +0.747% | 547 | |
42 | BLG HOLDINGS, INC. | Sound | Mediocre | Strong | Exceptional | $3,169 | +0.654% | 447 | |
43 | GVC MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $3,178 | +0.861% | 441 | |
44 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $3,913 | +0.474% | 327 | |
45 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | $4,240 | +0.734% | 242 | |
46 | CHURCHILL MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $3,708 | +0.457% | 526 | |
47 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Strong | $2,462 | +0.804% | 267 | |
48 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $3,140 | +0.635% | 365 | |
49 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Strong | $4,108 | +1.103% | 236 | |
50 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Strong | $3,220 | +0.799% | 232 |
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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