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 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,440 | +0.356% | 1,125 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,672 | +0.275% | 835 | |
3 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,129 | +0.008% | 191 | |
4 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,769 | +0.361% | 133 | |
5 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,385 | +0.493% | 278 | |
6 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,650 | +0.245% | 226 | |
7 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,196 | +0.435% | 152 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,937 | +0.389% | 1,404 | |
9 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,934 | +0.316% | 169 | |
10 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,759 | +0.358% | 83 | |
11 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,862 | +0.354% | 79 | |
12 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,160 | +0.060% | 1,097 | |
13 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,920 | +0.339% | 671 | |
14 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,851 | +0.275% | 301 | |
15 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $2,537 | -0.018% | 177 | |
16 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,916 | +0.438% | 140 | |
17 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,723 | +0.392% | 139 | |
18 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,856 | +0.512% | 102 | |
19 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,439 | +0.142% | 59 | |
20 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,117 | +0.440% | 49 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.332% | 290 | |
22 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,040 | +0.127% | 85 | |
23 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,301 | +0.237% | 83 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,147 | +0.481% | 67 | |
25 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,819 | +0.337% | 63 | |
26 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,726 | +0.449% | 38 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,902 | +0.372% | 1,558 | |
28 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,849 | +0.385% | 144 | |
29 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,963 | +0.580% | 49 | |
30 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,898 | +0.913% | 48 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,864 | +0.668% | 37 | |
32 | ABSOLUTE HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,926 | +0.592% | 113 | |
33 | PRINCETON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,951 | +0.409% | 109 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,570 | +0.437% | 108 | |
35 | SUCCESS MORTGAGE PARTNERS, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,786 | +0.361% | 85 | |
36 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,102 | +0.484% | 60 | |
37 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,343 | +0.455% | 58 | |
38 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $872 | +0.105% | 39 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,801 | +0.531% | 197 | |
40 | LENDING CAPITAL GROUP Inc | Sound | Mediocre | Strong | Strong | Strong | $2,941 | +0.610% | 111 | |
41 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Strong | Strong | $4,138 | +0.562% | 92 | |
42 | GO MORTGAGE, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,132 | +0.469% | 60 | |
43 | AmRes Corporation | Sound | Mediocre | Strong | Strong | Sound | $3,734 | +0.670% | 37 |
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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