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