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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,233 | +0.560% | 377 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,539 | +0.369% | 446 | |
3 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | -$220 | -0.149% | 185 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,866 | +0.190% | 674 | |
5 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,576 | +0.319% | 236 | |
6 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Strong | $1,380 | +0.020% | 78 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,610 | +0.043% | 62 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $863 | +0.143% | 179 | |
9 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,357 | +0.311% | 52 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,590 | +0.362% | 1,259 | |
11 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,758 | +0.366% | 865 | |
12 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,670 | +0.459% | 833 | |
13 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,651 | +0.411% | 246 | |
14 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,746 | +0.436% | 205 | |
15 | 1st Colonial Community Bank | Strong | Sound | Strong | Strong | Exceptional | $1,889 | +0.263% | 202 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,687 | +0.330% | 202 | |
17 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $425 | +0.315% | 158 | |
18 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,649 | +0.410% | 149 | |
19 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $2,939 | +0.133% | 104 | |
20 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,340 | -0.003% | 101 | |
21 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | Strong | $2,488 | +0.475% | 51 | |
22 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,961 | +0.387% | 44 | |
23 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $3,711 | -0.132% | 44 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,421 | +0.407% | 369 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,378 | +0.455% | 209 | |
26 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,318 | +0.413% | 193 | |
27 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $2,354 | +0.362% | 96 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,817 | +0.202% | 65 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,594 | +0.397% | 49 | |
30 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,254 | +0.338% | 43 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,988 | +0.186% | 347 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,992 | +0.416% | 234 | |
33 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,727 | +0.455% | 213 | |
34 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,103 | +0.130% | 165 | |
35 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Strong | $3,047 | +0.292% | 99 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,415 | +0.568% | 87 | |
37 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,895 | +0.529% | 77 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,261 | +0.189% | 69 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,315 | +0.525% | 934 | |
40 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,938 | +0.593% | 415 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,469 | +0.606% | 354 | |
42 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $1,480 | +0.177% | 74 | |
43 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,460 | +0.482% | 63 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,178 | +0.443% | 62 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,648 | +0.552% | 40 | |
46 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,110 | +0.151% | 32 | |
47 | Acre Mortgage & Financial, Inc. | Strong | Mediocre | Strong | Strong | Exceptional | $3,749 | +0.565% | 235 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,272 | +0.475% | 154 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,436 | +0.655% | 51 | |
50 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,027 | +0.422% | 50 |
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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