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 | $4,050 | +0.142% | 2,441 | |
2 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,607 | +0.000% | 172 | |
3 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,426 | -0.160% | 593 | |
4 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,438 | +0.266% | 421 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $429 | -0.112% | 192 | |
6 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $5,039 | +1.007% | 78 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,075 | +0.236% | 1,401 | |
8 | Bethpage Federal Credit Union | Strong | Strong | Sound | Sound | Exceptional | $1,773 | -0.174% | 486 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,302 | +0.179% | 229 | |
10 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $4,102 | +0.388% | 138 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $3,476 | +0.053% | 1,367 | |
12 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,780 | -0.220% | 553 | |
13 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,980 | +0.433% | 495 | |
14 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,773 | +0.148% | 464 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $3,281 | +0.338% | 357 | |
16 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $4,251 | +0.472% | 178 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $5,196 | +0.218% | 176 | |
18 | MID-ISLAND MORTGAGE CORP. | Strong | Sound | Strong | Strong | Strong | $1,702 | +0.037% | 156 | |
19 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Strong | $2,883 | +0.166% | 151 | |
20 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | Strong | $2,852 | -0.018% | 91 | |
21 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,939 | +0.179% | 73 | |
22 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Sound | $5,519 | +0.379% | 52 | |
23 | EAST COAST CAPITAL CORP. | Strong | Acceptable | Strong | Strong | Exceptional | $4,632 | +0.357% | 398 | |
24 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,658 | +0.090% | 352 | |
25 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,964 | +0.345% | 299 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,571 | +0.029% | 174 | |
27 | LYNX MORTGAGE BANK LLC | Strong | Sound | Sound | Strong | Strong | $2,061 | +0.010% | 164 | |
28 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,337 | +0.117% | 126 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,303 | +0.418% | 115 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,448 | +0.292% | 112 | |
31 | CONTOUR MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,630 | +0.254% | 1,411 | |
32 | NATIONWIDE MORTGAGE BANKERS, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,793 | +0.450% | 937 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,753 | +0.326% | 904 | |
34 | UNITED MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,584 | +0.545% | 521 | |
35 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Strong | $5,662 | +0.466% | 276 | |
36 | HARTFORD FUNDING, LTD. | Strong | Acceptable | Strong | Strong | Strong | $5,307 | +0.416% | 180 | |
37 | CLIFFCO, INC. | Strong | Mediocre | Strong | Strong | Exceptional | $4,091 | +0.333% | 419 | |
38 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Strong | Mediocre | Strong | Strong | Exceptional | $5,050 | +0.461% | 418 | |
39 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,462 | -0.306% | 340 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,184 | +0.082% | 134 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $5,651 | +0.956% | 69 | |
42 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Sound | Mediocre | Strong | Strong | Strong | $3,394 | +0.259% | 206 | |
43 | Quontic Bank | Sound | Mediocre | Strong | Strong | Strong | $6,946 | +0.726% | 195 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,893 | +0.437% | 171 | |
45 | FM Home Loans, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,946 | +0.288% | 116 | |
46 | INTERSTATE HOME LOAN CENTER, INC. | Sound | Mediocre | Strong | Strong | Strong | $5,055 | +0.381% | 110 | |
47 | US MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | Strong | $4,750 | +0.347% | 100 | |
48 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,696 | +0.348% | 48 | |
49 | JET DIRECT FUNDING CORP | Sound | Mediocre | Strong | Sound | Strong | $6,221 | +0.313% | 170 |
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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