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