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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Exceptional | $1,814 | -0.023% | 875 | |
2 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | -$272 | -0.292% | 118 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,685 | +0.206% | 4,302 | |
4 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Strong | $25 | -0.208% | 117 | |
5 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $1,456 | +0.066% | 1,559 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,562 | +0.094% | 1,039 | |
7 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Exceptional | $1,907 | +0.181% | 741 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,384 | +0.206% | 2,884 | |
9 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,144 | +0.401% | 376 | |
10 | SUMMIT MORTGAGE BANKERS INC. | Strong | Sound | Strong | Strong | $3,796 | +0.087% | 248 | |
11 | 1ST PRIORITY MORTGAGE, INC. | Strong | Sound | Strong | Strong | $2,930 | +0.153% | 164 | |
12 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,072 | +0.196% | 144 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,640 | +0.203% | 2,895 | |
14 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,576 | +0.205% | 554 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,398 | +0.102% | 497 | |
16 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $4,692 | +0.307% | 488 | |
17 | UNITED NORTHERN MORTGAGE BANKERS LIMITED | Strong | Acceptable | Strong | Exceptional | $3,858 | +0.295% | 378 | |
18 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,298 | +0.385% | 327 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,036 | +0.328% | 245 | |
20 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,638 | +0.360% | 427 | |
21 | FM Home Loans, LLC | Strong | Acceptable | Sound | Exceptional | $2,551 | +0.308% | 384 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Strong | $2,619 | +0.134% | 372 | |
23 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,720 | +0.511% | 296 | |
24 | BOND STREET MORTGAGE, LLC | Strong | Acceptable | Sound | Exceptional | $3,120 | +0.254% | 290 | |
25 | CLIFFCO, INC. | Strong | Acceptable | Strong | Strong | $3,065 | +0.335% | 236 | |
26 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,709 | +0.047% | 223 | |
27 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $3,162 | +0.582% | 188 | |
28 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $2,539 | +0.401% | 133 | |
29 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $3,087 | +0.260% | 112 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Strong | Strong | $4,324 | +0.677% | 103 | |
31 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,865 | +0.377% | 630 | |
32 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Exceptional | $5,778 | +0.473% | 603 | |
33 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,221 | +0.471% | 204 | |
34 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $4,943 | +0.582% | 182 | |
35 | GuardHill Financial Corp. | Sound | Acceptable | Sound | Strong | $2,672 | +0.122% | 162 | |
36 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Strong | $5,025 | +0.588% | 105 | |
37 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Sound | Exceptional | $5,780 | +0.541% | 393 | |
38 | UNITED MORTGAGE CORP. | Sound | Mediocre | Strong | Strong | $5,718 | +0.528% | 335 | |
39 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Strong | $4,036 | +0.421% | 244 | |
40 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Strong | $4,886 | +0.469% | 233 | |
41 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Strong | $3,961 | +0.508% | 191 | |
42 | A&D Mortgage LLC | Sound | Mediocre | Sound | Strong | $4,576 | +0.364% | 193 | |
43 | NP, INC. | Sound | Mediocre | Sound | Strong | $1,888 | +1.201% | 160 | |
44 | ARC HOME LLC | Sound | Mediocre | Sound | Strong | $4,102 | +0.743% | 123 | |
45 | JET DIRECT FUNDING CORP | Sound | Mediocre | Sound | Strong | $6,874 | +0.457% | 109 |
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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