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 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $4,050 | +0.142% | 2,441 | |
2 | MID-ISLAND MORTGAGE CORP. | Strong | Strong | Strong | Strong | $1,702 | +0.037% | 156 | |
3 | NJ LENDERS CORP. | Strong | Strong | Strong | Strong | $2,883 | +0.166% | 151 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $5,075 | +0.236% | 1,401 | |
5 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Exceptional | $3,980 | +0.433% | 495 | |
6 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,438 | +0.266% | 421 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,302 | +0.179% | 229 | |
8 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,571 | +0.029% | 174 | |
9 | LYNX MORTGAGE BANK LLC | Strong | Sound | Strong | Strong | $2,061 | +0.010% | 164 | |
10 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,337 | +0.117% | 126 | |
11 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $2,852 | -0.018% | 91 | |
12 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Strong | Strong | $3,238 | +0.025% | 63 | |
13 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $3,630 | +0.254% | 1,411 | |
14 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,753 | +0.326% | 904 | |
15 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Exceptional | $2,773 | +0.148% | 464 | |
16 | CLIFFCO, INC. | Strong | Acceptable | Strong | Exceptional | $4,091 | +0.333% | 419 | |
17 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,658 | +0.090% | 352 | |
18 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $5,196 | +0.218% | 176 | |
19 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,448 | +0.292% | 112 | |
20 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $5,039 | +1.007% | 78 | |
21 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | $5,519 | +0.379% | 52 | |
22 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,964 | +0.345% | 299 | |
23 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Strong | $3,394 | +0.259% | 206 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,184 | +0.082% | 134 | |
25 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,303 | +0.418% | 115 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Exceptional | $4,793 | +0.450% | 937 | |
27 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Exceptional | $4,584 | +0.545% | 521 | |
28 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Exceptional | $4,632 | +0.357% | 398 | |
29 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $3,281 | +0.338% | 357 | |
30 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $4,251 | +0.472% | 178 | |
31 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,893 | +0.437% | 171 | |
32 | RELIANT HOME FUNDING, INC | Sound | Acceptable | Sound | Strong | $3,538 | +0.299% | 162 | |
33 | FM Home Loans, LLC | Sound | Acceptable | Sound | Strong | $2,946 | +0.288% | 116 | |
34 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Sound | Exceptional | $5,050 | +0.461% | 418 | |
35 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $5,651 | +0.956% | 69 | |
36 | HARTFORD FUNDING, LTD. | Sound | Mediocre | Sound | Strong | $5,307 | +0.416% | 180 | |
37 | JET DIRECT FUNDING CORP | Sound | Mediocre | Sound | Strong | $6,221 | +0.313% | 170 | |
38 | INTERSTATE HOME LOAN CENTER, INC. | Sound | Mediocre | Sound | Strong | $5,055 | +0.381% | 110 | |
39 | CONTINENTAL MORTGAGE BANKERS, INC. | Sound | Mediocre | Sound | Strong | $5,560 | +0.356% | 101 | |
40 | US MORTGAGE CORPORATION | Sound | Mediocre | Sound | Strong | $4,750 | +0.347% | 100 | |
41 | NP, INC. | Sound | Mediocre | Sound | Strong | $2,100 | +1.017% | 97 | |
42 | A&D Mortgage LLC | Sound | Mediocre | Sound | Strong | $4,506 | +0.386% | 92 | |
43 | ARC HOME LLC | Sound | Mediocre | Sound | Strong | $5,636 | +0.610% | 63 | |
44 | ASSOCIATED MORTGAGE BANKERS, INC. | Sound | Mediocre | Sound | Strong | $5,234 | +0.127% | 53 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $4,696 | +0.348% | 48 |
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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