Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | FIRSTBANK PUERTO RICOBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $4,161Fees | 0.304%Below | 115 | |
2 | Cooperativa de Ahorro y Credito de RinconIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | Strong | $2,439Fees | 0.545%Below | 35 | |
3 | THE MONEY HOUSE INC.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,350Fees | 0.563%Below | 28 | |
4 | Banco Popular de Puerto RicoBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,124Fees | 0.259%Above | 163 | |
5 | Oriental BankBank | Strong | Sound | Strong | Strong | Strong | $2,139Fees | 0.229%Above | 30 | |
6 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,985Fees | 0.868%Above | 13 | |
7 | COOPERATIVA DE AHORRO Y CREDITO DE CAMUYIndependent Mortgage Company | Strong | Acceptable | Sound | Exceptional | Sound | $4,126Fees | 0.116%Below | 12 | |
8 | PENTAGON FEDERAL CREDIT UNIONCredit Union | Sound | Acceptable | Strong | Sound | Sound | $4,638Fees | 0.041%Above | 28 | |
9 | FIRST EQUITY MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $5,642Fees | 1.142%Above | 14 |
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.