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