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 | Strong | Exceptional | Exceptional | Exceptional | $2,539 | +0.175% | 4,989 | |
2 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
3 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Strong | $416 | -0.243% | 180 | |
4 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
5 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,337 | +0.204% | 1,267 | |
6 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,177 | +0.179% | 963 | |
8 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $211 | -0.090% | 959 | |
9 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,253 | +0.627% | 896 | |
10 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,546 | +0.207% | 887 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $553 | -0.435% | 493 | |
12 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,377 | +0.057% | 2,089 | |
13 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,572 | +0.396% | 1,443 | |
14 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,746 | +0.385% | 1,407 | |
15 | MORTGAGE ACCESS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $3,273 | +0.317% | 465 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,878 | +0.503% | 300 | |
17 | KIND LENDING, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,940 | +0.455% | 246 | |
18 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,883 | +0.137% | 2,270 | |
19 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,422 | +0.535% | 1,100 | |
20 | NEWREZ LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,709 | +0.397% | 975 | |
21 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $694 | -0.045% | 862 | |
22 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | — | Sound | Strong | $1,088 | +0.054% | 231 | |
23 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,979 | +0.317% | 198 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,433 | +0.239% | 6,687 | |
25 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Strong | Exceptional | $2,314 | +0.271% | 1,736 | |
26 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,958 | +0.507% | 1,716 | |
27 | Wells Fargo Bank, National Association | Strong | Sound | Exceptional | Sound | Exceptional | $1,494 | -0.101% | 1,556 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,959 | +0.414% | 1,163 | |
29 | OceanFirst Bank, National Association | Strong | Strong | Sound | Sound | Exceptional | -$303 | -0.225% | 1,006 | |
30 | Gateway First Bank | Strong | Sound | Exceptional | Strong | Strong | $2,858 | +0.485% | 541 | |
31 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $640 | -0.113% | 346 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,666 | +0.478% | 331 | |
33 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,984 | +0.362% | 297 | |
34 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,944 | +0.136% | 172 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,699 | +0.373% | 727 | |
37 | 1st Colonial Community Bank | Strong | Sound | Sound | Strong | Exceptional | $1,972 | +0.218% | 271 | |
38 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Exceptional | $2,576 | +0.463% | 1,384 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,620 | +0.290% | 672 | |
40 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,674 | +0.774% | 560 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,833 | +0.420% | 526 | |
42 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,530 | +0.304% | 491 | |
43 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,847 | +0.464% | 467 | |
44 | ALLIED MORTGAGE GROUP, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,223 | +0.396% | 416 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,115 | +0.517% | 336 | |
46 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,593 | +0.222% | 195 | |
47 | Acre Mortgage & Financial, Inc. | Strong | Mediocre | Strong | Exceptional | Exceptional | $3,732 | +0.585% | 332 | |
48 | Nations Lending Corporation | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,137 | +0.577% | 225 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $5,102 | +0.592% | 219 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $4,017 | +0.593% | 231 |
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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