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