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 | NJ LENDERS CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,746 | +0.021% | 502 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,023 | -0.082% | 201 | |
3 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Exceptional | -$490 | -0.218% | 204 | |
4 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168 | +0.246% | 985 | |
5 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497 | +0.202% | 592 | |
6 | KWIK MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Strong | -$342 | -0.087% | 150 | |
7 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Sound | Strong | $1,042 | +0.136% | 63 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334 | +0.193% | 2,121 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,026 | +0.163% | 1,644 | |
10 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,809 | +0.258% | 517 | |
11 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $457 | -0.131% | 127 | |
12 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,239 | +0.399% | 109 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,326 | +0.330% | 77 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
15 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784 | +0.095% | 731 | |
16 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580 | +0.356% | 448 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614 | +0.468% | 419 | |
18 | MLD MORTGAGE INC. | Strong | Sound | Strong | Strong | Strong | $1,460 | +0.046% | 101 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043 | +0.611% | 81 | |
20 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $1,918 | +0.253% | 64 | |
21 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,302 | +0.136% | 64 | |
22 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,092 | +0.517% | 296 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,925 | +0.059% | 274 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.246% | 209 | |
25 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,471 | +0.276% | 199 | |
26 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,892 | +0.364% | 157 | |
27 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,258 | +0.314% | 140 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,625 | +0.399% | 139 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.380% | 88 | |
30 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,259 | +0.520% | 83 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,058 | +0.341% | 75 | |
32 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,958 | +0.496% | 68 | |
33 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,526 | +0.287% | 62 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,301 | +0.420% | 630 | |
35 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Exceptional | $3,217 | +0.347% | 399 | |
36 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,086 | +0.345% | 337 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,351 | +0.180% | 242 | |
38 | FM Home Loans, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,212 | +0.304% | 229 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,761 | +0.487% | 137 | |
40 | GREENWAY MORTGAGE FUNDING CORP. | Strong | Sound | Sound | Sound | Strong | $2,930 | +0.335% | 96 | |
41 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Strong | $2,150 | +0.245% | 76 | |
42 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,121 | +0.187% | 72 | |
43 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,300 | +0.382% | 60 | |
44 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $3,168 | +0.283% | 56 | |
45 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Sound | Strong | $2,416 | +0.328% | 181 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $2,259 | +0.968% | 118 | |
47 | NORWICH COMMERCIAL GROUP, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,095 | +0.383% | 109 | |
48 | MORTGAGE ACCESS CORP. | Strong | Acceptable | Strong | Sound | Strong | $2,917 | +0.304% | 92 | |
49 | BOND STREET MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,582 | +0.298% | 160 | |
50 | MILLENIUM HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $3,377 | -0.001% | 96 |
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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