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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | $1,233 | +0.560% | 377 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,866 | +0.190% | 674 | |
3 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,354 | +0.362% | 96 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Strong | Exceptional | Sound | Sound | $846 | +0.017% | 60 | |
5 | AMERICAN FEDERAL MORTGAGE CORPORATION | Strong | Exceptional | Sound | Sound | $41 | -0.186% | 32 | |
6 | 1st Colonial Community Bank | Strong | Sound | Strong | Exceptional | $1,889 | +0.263% | 202 | |
7 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $2,649 | +0.410% | 149 | |
8 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $2,939 | +0.133% | 104 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,590 | +0.362% | 1,259 | |
10 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,758 | +0.366% | 865 | |
11 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,421 | +0.407% | 369 | |
12 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,988 | +0.186% | 347 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,576 | +0.319% | 236 | |
14 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $3,746 | +0.436% | 205 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,687 | +0.330% | 202 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $863 | +0.143% | 179 | |
17 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $2,961 | +0.387% | 44 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $4,315 | +0.525% | 934 | |
19 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Exceptional | $2,670 | +0.459% | 833 | |
20 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | $1,539 | +0.369% | 446 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,992 | +0.416% | 234 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,378 | +0.455% | 209 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,480 | +0.177% | 74 | |
24 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,651 | +0.411% | 246 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,927 | +0.935% | 189 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,272 | +0.475% | 154 | |
27 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,415 | +0.568% | 87 | |
28 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,895 | +0.529% | 77 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,261 | +0.189% | 69 | |
30 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Sound | $4,178 | +0.443% | 62 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Sound | $2,593 | +0.452% | 59 | |
32 | GoodLeap, LLC | Strong | Sound | Sound | Sound | $3,711 | -0.132% | 44 | |
33 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Exceptional | $2,938 | +0.593% | 415 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Exceptional | $4,469 | +0.606% | 354 | |
35 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Exceptional | $3,749 | +0.565% | 235 | |
36 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,883 | +0.539% | 225 | |
37 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,318 | +0.413% | 193 | |
38 | MORTGAGE ACCESS CORP. | Sound | Acceptable | Sound | Strong | $3,047 | +0.292% | 99 | |
39 | THE LOAN STORE, INC. | Sound | Acceptable | Strong | Sound | $1,817 | +0.202% | 65 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $5,460 | +0.482% | 63 | |
41 | NATIONS DIRECT MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $2,254 | +0.338% | 43 | |
42 | PLAZA HOME MORTGAGE, INC. | Sound | Acceptable | Strong | Sound | $2,648 | +0.552% | 40 | |
43 | LOWER, LLC | Sound | Acceptable | Strong | Sound | $2,110 | +0.151% | 32 | |
44 | US MORTGAGE CORPORATION | Sound | Mediocre | Sound | Strong | $4,027 | +0.422% | 50 | |
45 | AMERISAVE MORTGAGE CORPORATION | Sound | Mediocre | Acceptable | Sound | $4,436 | +0.655% | 51 | |
46 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $6,798 | +1.309% | 45 |
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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