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 | Sound | Exceptional | Exceptional | Exceptional | $2,026 | +0.163% | 1,644 | |
2 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,809 | +0.258% | 517 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,925 | +0.059% | 274 | |
4 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,471 | +0.276% | 199 | |
5 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $888 | -0.057% | 127 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,326 | +0.330% | 77 | |
7 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168 | +0.246% | 985 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497 | +0.202% | 592 | |
9 | TD Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $893 | +0.114% | 303 | |
10 | PINNACLE MORTGAGE, INC. | Exceptional | Strong | Sound | Exceptional | Strong | $1,042 | +0.136% | 63 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
12 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,746 | +0.021% | 502 | |
13 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,736 | +0.341% | 112 | |
14 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $1,460 | +0.046% | 101 | |
15 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,259 | +0.520% | 83 | |
16 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,121 | +0.187% | 72 | |
17 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,958 | +0.496% | 68 | |
18 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,526 | +0.287% | 62 | |
19 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784 | +0.095% | 731 | |
20 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,513 | -0.123% | 482 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580 | +0.356% | 448 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614 | +0.468% | 419 | |
23 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,086 | +0.345% | 337 | |
24 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,582 | +0.298% | 160 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,892 | +0.364% | 157 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,625 | +0.399% | 139 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043 | +0.611% | 81 | |
28 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,150 | +0.245% | 76 | |
29 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $2,480 | -0.011% | 68 | |
30 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $3,300 | +0.382% | 60 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,092 | +0.517% | 296 | |
32 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,351 | +0.180% | 242 | |
33 | Provident Bank | Strong | Sound | Sound | Sound | Exceptional | $67 | -0.089% | 191 | |
34 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,416 | +0.328% | 181 | |
35 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,924 | +0.474% | 123 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,239 | +0.399% | 109 | |
37 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,095 | +0.383% | 109 | |
38 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Strong | $2,917 | +0.304% | 92 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.380% | 88 | |
40 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,058 | +0.341% | 75 | |
41 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Sound | Strong | $1,918 | +0.253% | 64 | |
42 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,073 | +0.555% | 61 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,168 | +0.283% | 56 | |
44 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Sound | $3,486 | +0.389% | 56 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
46 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,301 | +0.420% | 630 | |
47 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $4,151 | +0.334% | 146 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $457 | -0.131% | 127 | |
49 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,106 | +0.505% | 78 | |
50 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,302 | +0.136% | 64 |
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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