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