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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Strong | Exceptional | -$303 | -0.225% | 1,006 | |
2 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,177 | +0.179% | 963 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337 | +0.204% | 1,267 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $211 | -0.090% | 959 | |
8 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Exceptional | -$228 | -0.243% | 521 | |
9 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,156 | -0.048% | 505 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,979 | +0.317% | 198 | |
11 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $416 | -0.243% | 180 | |
12 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
13 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
14 | TD Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $732 | +0.153% | 1,057 | |
15 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $694 | -0.045% | 862 | |
16 | MLD MORTGAGE INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,481 | +0.080% | 459 | |
17 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,223 | +0.396% | 416 | |
18 | PINNACLE MORTGAGE, INC. | Exceptional | Strong | Sound | Exceptional | Strong | $1,088 | +0.054% | 231 | |
19 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,607 | +0.389% | 173 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
21 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
22 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,576 | +0.463% | 1,384 | |
23 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,959 | +0.414% | 1,163 | |
24 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,709 | +0.397% | 975 | |
25 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,825 | +0.296% | 648 | |
26 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
27 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $642 | +0.037% | 467 | |
28 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
29 | Valley National Bank | Strong | Strong | Sound | Sound | Exceptional | $1,157 | -0.255% | 354 | |
30 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,984 | +0.362% | 297 | |
31 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,727 | +0.406% | 279 | |
32 | 1st Colonial Community Bank | Strong | Sound | Strong | Strong | Exceptional | $1,972 | +0.218% | 271 | |
33 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,940 | +0.455% | 246 | |
34 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,593 | +0.222% | 195 | |
35 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,944 | +0.136% | 172 | |
36 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
37 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,377 | +0.057% | 2,089 | |
38 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
41 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546 | +0.207% | 887 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.373% | 727 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,833 | +0.420% | 526 | |
45 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,530 | +0.304% | 491 | |
46 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Exceptional | $3,273 | +0.317% | 465 | |
47 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
48 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,723 | +0.392% | 175 | |
49 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,858 | +0.485% | 541 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 |
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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