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 | $2,742 | +0.133% | 1,177 | |
2 | NJ LENDERS CORP. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,430 | +0.006% | 798 | |
3 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,334 | +0.089% | 1,050 | |
4 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,487 | +0.202% | 377 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $247 | -0.545% | 79 | |
6 | NBKC BANK | Exceptional | Exceptional | Exceptional | Strong | Sound | $837 | -0.347% | 41 | |
7 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,254 | +0.144% | 231 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,196 | +0.211% | 224 | |
9 | MORTGAGE ACCESS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $3,366 | +0.293% | 177 | |
10 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,064 | +0.147% | 422 | |
11 | Paramount Residential Mortgage Group, Inc. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,693 | +0.541% | 338 | |
12 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,514 | +0.289% | 234 | |
13 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,513 | +0.187% | 1,338 | |
14 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,106 | +0.477% | 406 | |
15 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,934 | +0.401% | 169 | |
16 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,204 | +0.370% | 1,335 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,094 | +0.324% | 140 | |
18 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $630 | -0.217% | 55 | |
19 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,288 | +0.388% | 86 | |
20 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Strong | Strong | Exceptional | $4,451 | +0.452% | 364 | |
21 | The Federal Savings Bank | Sound | Mediocre | Exceptional | Sound | Sound | $5,286 | +0.486% | 46 |
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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