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 | NATION ONE MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,200 | +0.678% | 320 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $1,905 | +0.417% | 32 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $80 | +1.464% | 13 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $3,297 | +0.027% | 33 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,341 | +0.434% | 107 | |
6 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,278 | +0.537% | 54 | |
7 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,799 | +0.270% | 22 | |
8 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Sound | $3,010 | -0.034% | 15 | |
9 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,614 | +0.384% | 15 | |
10 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,361 | +0.456% | 82 | |
11 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $4,651 | +0.992% | 53 | |
12 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,717 | +0.646% | 39 | |
13 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $2,652 | +0.614% | 19 | |
14 | 1st Colonial Community Bank | Strong | Sound | Strong | Strong | Sound | $1,191 | +0.302% | 10 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,679 | +0.802% | 18 | |
16 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,395 | +0.638% | 14 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,244 | +0.483% | 14 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $4,631 | +0.798% | 44 | |
19 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Exceptional | Strong | Sound | $4,781 | +0.691% | 21 | |
20 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Strong | Sound | $2,705 | +0.674% | 19 | |
21 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $351 | +0.875% | 16 | |
22 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $2,949 | +0.635% | 19 | |
23 | Acre Mortgage & Financial, Inc. | Sound | Mediocre | Strong | Strong | Sound | $3,919 | +0.579% | 15 |
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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