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 | Sound | Exceptional | Exceptional | Exceptional | $2,742 | +0.133% | 1,177 | |
2 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,196 | +0.211% | 224 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,424 | -0.080% | 110 | |
4 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.147% | 422 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $218 | -0.132% | 237 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,254 | +0.144% | 231 | |
7 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Sound | $1,092 | +0.373% | 39 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
9 | NJ LENDERS CORP. | Strong | Sound | Strong | Strong | Exceptional | $1,430 | +0.006% | 798 | |
10 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $481 | +0.126% | 222 | |
11 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$202 | -0.104% | 178 | |
12 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $3,005 | +0.162% | 88 | |
13 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,157 | +0.466% | 77 | |
14 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | Strong | $1,930 | -0.038% | 59 | |
15 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,867 | +0.325% | 44 | |
16 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,360 | +0.026% | 586 | |
18 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,283 | -0.140% | 401 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,487 | +0.202% | 377 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,693 | +0.541% | 338 | |
21 | MORTGAGE ACCESS CORP. | Strong | Sound | Strong | Sound | Exceptional | $3,366 | +0.293% | 177 | |
22 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,934 | +0.401% | 169 | |
23 | BOND STREET MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $2,492 | +0.339% | 144 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,231 | +0.448% | 141 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,094 | +0.324% | 140 | |
26 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,748 | +0.542% | 66 | |
27 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Strong | $3,592 | +0.387% | 56 | |
28 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,910 | +0.267% | 54 | |
29 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Sound | $2,505 | +0.489% | 49 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,888 | +0.241% | 48 | |
31 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,844 | +0.451% | 47 | |
32 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $2,652 | +0.305% | 37 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,352 | +0.409% | 304 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,514 | +0.289% | 234 | |
35 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,525 | +0.297% | 206 | |
36 | Provident Bank | Strong | Sound | Sound | Sound | Exceptional | -$1,122 | -0.432% | 199 | |
37 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | Strong | $3,559 | +0.495% | 93 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,175 | +0.362% | 77 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,719 | +0.495% | 75 | |
40 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,322 | +0.609% | 62 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
42 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,106 | +0.477% | 406 | |
43 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,451 | +0.452% | 364 | |
44 | 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | Strong | Acceptable | Strong | Strong | Strong | $3,739 | +0.327% | 40 | |
45 | OCMBC, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,804 | +0.764% | 38 | |
46 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,434 | +0.104% | 109 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $630 | -0.217% | 55 | |
48 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $5,286 | +0.486% | 46 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,761 | +0.366% | 41 | |
50 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,066 | +0.821% | 38 |
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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