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 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,046 | +0.247% | 65 | |
2 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,461 | +0.395% | 174 | |
3 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,963 | +0.381% | 70 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,892 | +0.193% | 72 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,138 | +0.551% | 30 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,011 | +0.439% | 16 | |
7 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,862 | +0.977% | 114 | |
8 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,301 | +0.417% | 37 | |
9 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Sound | $1,040 | +0.577% | 30 | |
10 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,869 | +0.788% | 18 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,567 | +0.470% | 17 | |
12 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,729 | +0.599% | 16 | |
13 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,504 | +1.003% | 37 | |
14 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,444 | +0.316% | 10 |
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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