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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,866 | +0.190% | 674 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,539 | +0.369% | 446 | |
3 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,233 | +0.560% | 377 | |
4 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Strong | $2,354 | +0.362% | 96 | |
5 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,421 | +0.407% | 369 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,988 | +0.186% | 347 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,576 | +0.319% | 236 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $863 | +0.143% | 179 | |
9 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,895 | +0.529% | 77 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,261 | +0.189% | 69 | |
11 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,992 | +0.416% | 234 | |
12 | MORTGAGE ACCESS CORP. | Exceptional | Strong | Strong | Strong | Strong | $3,047 | +0.292% | 99 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,590 | +0.362% | 1,259 | |
14 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,758 | +0.366% | 865 | |
15 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,469 | +0.606% | 354 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,687 | +0.330% | 202 | |
17 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $3,318 | +0.413% | 193 | |
18 | Paramount Residential Mortgage Group, Inc. | Strong | Sound | Exceptional | Strong | Strong | $3,415 | +0.568% | 87 | |
19 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,480 | +0.177% | 74 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,315 | +0.525% | 934 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,378 | +0.455% | 209 | |
22 | 1st Colonial Community Bank | Strong | Sound | Sound | Strong | Exceptional | $1,889 | +0.263% | 202 | |
23 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,670 | +0.459% | 833 | |
24 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,651 | +0.411% | 246 | |
25 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,927 | +0.935% | 189 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,272 | +0.475% | 154 | |
27 | Acre Mortgage & Financial, Inc. | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,749 | +0.565% | 235 | |
28 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,746 | +0.436% | 205 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $4,178 | +0.443% | 62 | |
30 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Sound | $3,711 | -0.132% | 44 | |
31 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $2,938 | +0.593% | 415 | |
32 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,883 | +0.539% | 225 | |
33 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | 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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