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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,177 | +0.179% | 963 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,337 | +0.204% | 1,267 | |
6 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Sound | Exceptional | -$228 | -0.243% | 521 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,979 | +0.317% | 198 | |
8 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
9 | Advisors Mortgage Group, L.L.C. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
10 | MLD MORTGAGE INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,481 | +0.080% | 459 | |
11 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,223 | +0.396% | 416 | |
12 | PINNACLE MORTGAGE, INC. | Exceptional | Strong | Sound | Exceptional | Strong | $1,088 | +0.054% | 231 | |
13 | BETTER MORTGAGE CORPORATION | Exceptional | Exceptional | Strong | Acceptable | Strong | $65 | -0.106% | 176 | |
14 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,607 | +0.389% | 173 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
16 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
17 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,576 | +0.463% | 1,384 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,959 | +0.414% | 1,163 | |
19 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,709 | +0.397% | 975 | |
20 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,825 | +0.296% | 648 | |
21 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
22 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
23 | 1st Colonial Community Bank | Strong | Sound | Strong | Strong | Exceptional | $1,972 | +0.218% | 271 | |
24 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,940 | +0.455% | 246 | |
25 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,593 | +0.222% | 195 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
27 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
28 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
29 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
30 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,546 | +0.207% | 887 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.373% | 727 | |
32 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,833 | +0.420% | 526 | |
33 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,530 | +0.304% | 491 | |
34 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Exceptional | $3,273 | +0.317% | 465 | |
35 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
36 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,723 | +0.392% | 175 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 | |
38 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,666 | +0.478% | 331 | |
39 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,878 | +0.503% | 300 | |
40 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,239 | +0.429% | 238 | |
41 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,423 | +0.556% | 191 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
43 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,958 | +0.507% | 1,716 | |
44 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,564 | +0.473% | 1,540 | |
45 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,674 | +0.774% | 560 | |
46 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $640 | -0.113% | 346 | |
47 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Sound | Strong | Exceptional | $3,550 | +0.074% | 261 | |
48 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Strong | $4,017 | +0.593% | 231 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,102 | +0.592% | 219 | |
50 | NP, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,045 | +1.272% | 182 |
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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