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 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Exceptional | -$490 | -0.218% | 204 | |
2 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Exceptional | $1,746 | +0.021% | 502 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,023 | -0.082% | 201 | |
4 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | -$342 | -0.087% | 150 | |
5 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,042 | +0.136% | 63 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,026 | +0.163% | 1,644 | |
7 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Exceptional | $2,168 | +0.246% | 985 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,784 | +0.095% | 731 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,497 | +0.202% | 592 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,809 | +0.258% | 517 | |
11 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,460 | +0.046% | 101 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,326 | +0.330% | 77 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,580 | +0.356% | 448 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $3,614 | +0.468% | 419 | |
16 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,925 | +0.059% | 274 | |
17 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,095 | +0.383% | 109 | |
18 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $3,526 | +0.287% | 62 | |
19 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $3,300 | +0.382% | 60 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,892 | +0.364% | 157 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,625 | +0.399% | 139 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $457 | -0.131% | 127 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $4,043 | +0.611% | 81 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,058 | +0.341% | 75 | |
26 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,302 | +0.136% | 64 | |
27 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Sound | Strong | $1,918 | +0.253% | 64 | |
28 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,092 | +0.517% | 296 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,351 | +0.180% | 242 | |
30 | FM Home Loans, LLC | Strong | Acceptable | Sound | Exceptional | $2,212 | +0.304% | 229 | |
31 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,570 | +0.246% | 209 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,471 | +0.276% | 199 | |
33 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,416 | +0.328% | 181 | |
34 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $2,258 | +0.314% | 140 | |
35 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,259 | +0.968% | 118 | |
36 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,239 | +0.399% | 109 | |
37 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,377 | -0.001% | 96 | |
38 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,674 | +0.380% | 88 | |
39 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $2,259 | +0.520% | 83 | |
40 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | $2,150 | +0.245% | 76 | |
41 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $1,121 | +0.187% | 72 | |
42 | EMM LOANS LLC | Strong | Acceptable | Strong | Strong | $2,958 | +0.496% | 68 | |
43 | NFM, INC. | Strong | Acceptable | Exceptional | Sound | $4,073 | +0.555% | 61 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,168 | +0.283% | 56 | |
45 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,086 | +0.345% | 337 | |
46 | BOND STREET MORTGAGE, LLC | Sound | Acceptable | Sound | Strong | $2,582 | +0.298% | 160 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,761 | +0.487% | 137 | |
48 | GREENWAY MORTGAGE FUNDING CORP. | Sound | Acceptable | Sound | Strong | $2,930 | +0.335% | 96 | |
49 | MORTGAGE ACCESS CORP. | Sound | Acceptable | Sound | Strong | $2,917 | +0.304% | 92 | |
50 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Strong | $2,679 | +0.442% | 79 |
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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