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