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 | $1,430 | +0.006% | 798 | |
2 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,033 | -0.021% | 120 | |
3 | AMERICAN FEDERAL MORTGAGE CORPORATION | Exceptional | Exceptional | Sound | Strong | $52 | -0.259% | 117 | |
4 | PINNACLE MORTGAGE, INC. | Exceptional | Exceptional | Sound | Strong | $1,404 | +0.003% | 56 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,742 | +0.133% | 1,177 | |
6 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Exceptional | $2,064 | +0.147% | 422 | |
8 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | $3,005 | +0.162% | 88 | |
9 | MLD MORTGAGE INC. | Strong | Sound | Exceptional | Strong | $1,930 | -0.038% | 59 | |
10 | BETTER MORTGAGE CORPORATION | Strong | Exceptional | Acceptable | Sound | -$815 | -0.051% | 46 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
12 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,254 | +0.144% | 231 | |
13 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,196 | +0.211% | 224 | |
14 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $3,559 | +0.495% | 93 | |
15 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Sound | $2,505 | +0.489% | 49 | |
16 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $2,867 | +0.325% | 44 | |
17 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,092 | +0.373% | 39 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
19 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $2,487 | +0.202% | 377 | |
20 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Exceptional | $3,693 | +0.541% | 338 | |
21 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $4,352 | +0.409% | 304 | |
22 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $3,514 | +0.289% | 234 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,231 | +0.448% | 141 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $4,094 | +0.324% | 140 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $4,175 | +0.362% | 77 | |
26 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $3,748 | +0.542% | 66 | |
27 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | $2,525 | +0.297% | 206 | |
28 | MORTGAGE ACCESS CORP. | Strong | Acceptable | Sound | Exceptional | $3,366 | +0.293% | 177 | |
29 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,502 | +0.246% | 123 | |
30 | MILLENIUM HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,434 | +0.104% | 109 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,288 | +0.388% | 86 | |
32 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Strong | Strong | $1,993 | +0.334% | 82 | |
33 | KIND LENDING, LLC | Strong | Acceptable | Strong | Strong | $3,157 | +0.466% | 77 | |
34 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,719 | +0.495% | 75 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,837 | +0.356% | 71 | |
36 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Strong | Strong | $2,322 | +0.609% | 62 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $630 | -0.217% | 55 | |
38 | 1ST 2ND MORTGAGE COMPANY OF N.J., INC. | Strong | Acceptable | Strong | Strong | $3,739 | +0.327% | 40 | |
39 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Exceptional | $3,106 | +0.477% | 406 | |
40 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Exceptional | $4,451 | +0.452% | 364 | |
41 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,934 | +0.401% | 169 | |
42 | BOND STREET MORTGAGE, LLC | Sound | Acceptable | Sound | Strong | $2,492 | +0.339% | 144 | |
43 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $3,886 | +0.566% | 112 | |
44 | FIRST ALLIANCE HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Strong | $4,122 | +0.271% | 68 | |
45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Acceptable | Sound | Strong | $3,592 | +0.387% | 56 | |
46 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $2,844 | +0.451% | 47 | |
47 | JERSEY MORTGAGE COMPANY OF NEW JERSEY, INC. | Sound | Acceptable | Sound | Strong | $3,775 | +0.600% | 47 | |
48 | OCMBC, INC. | Sound | Acceptable | Strong | Sound | $2,804 | +0.764% | 38 | |
49 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Strong | $6,428 | +0.755% | 122 | |
50 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,761 | +0.366% | 41 |
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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