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