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 | $1,213 | -0.041% | 353 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $176 | +0.062% | 128 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,135 | +0.360% | 6,648 | |
4 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.218% | 788 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,822 | +0.331% | 4,709 | |
6 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $2,463 | +0.509% | 1,181 | |
7 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,767 | +0.703% | 910 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,202 | +0.297% | 313 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,898 | +0.388% | 177 | |
10 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,085 | +0.351% | 171 | |
11 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Exceptional | $2,209 | +0.625% | 543 | |
12 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,595 | +0.492% | 233 | |
13 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,345 | +0.531% | 127 | |
14 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Strong | $2,998 | +0.496% | 115 | |
15 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $237 | +1.218% | 108 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,567 | +0.182% | 102 | |
17 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,795 | +0.693% | 618 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $2,277 | +0.545% | 300 | |
19 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,433 | +0.358% | 286 | |
20 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,556 | +0.670% | 281 | |
21 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,490 | +0.446% | 265 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,457 | +0.407% | 206 | |
23 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,124 | +0.472% | 197 | |
24 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $1,842 | +0.572% | 115 | |
25 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,316 | -0.174% | 93 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $2,098 | +0.385% | 74 | |
27 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,234 | +0.525% | 414 | |
28 | UIF CORPORATION | Sound | Acceptable | Sound | Strong | $2,020 | +0.478% | 138 | |
29 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,663 | +0.631% | 115 | |
30 | GreenStone Farm Credit Services, FLCA | Sound | Acceptable | Sound | Strong | $2,823 | +0.561% | 112 | |
31 | Equity Prime Mortgage LLC | Sound | Acceptable | Strong | Sound | $4,164 | +0.994% | 81 | |
32 | PRESTON HOME LOANS INC | Sound | Mediocre | Strong | Strong | $3,322 | +0.753% | 222 | |
33 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $3,863 | +0.539% | 188 | |
34 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $2,818 | +0.670% | 148 | |
35 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Sound | Mediocre | Strong | Sound | $2,778 | +0.468% | 68 |
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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