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