Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $164Fees | 0.016%Above | 201 | |
2 | NATION ONE MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,287Fees | 0.878%Above | 139 | |
3 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,346Fees | 0.052%Above | 203 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $511Fees | 0.062%Below | 126 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,585Fees | 0.306%Below | 56 | |
6 | POLICE & FIRECredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $564Fees | 0.016%Below | 48 | |
7 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,611Fees | 0.053%Above | 36 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,781Fees | 0.267%Below | 32 | |
9 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,252Fees | 0.292%Below | 18 | |
10 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,400Fees | 0.333%Above | 374 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,144Fees | 0.040%Below | 94 | |
12 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Sound | $334Fees | 0.549%Below | 30 | |
13 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,135Fees | 0.110%Above | 26 | |
14 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,586Fees | 0.099%Above | 17 | |
15 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,293Fees | 0.208%Above | 13 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,742Fees | 0.393%Above | 364 | |
17 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,054Fees | 0.458%Above | 57 | |
18 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,906Fees | 0.029%Above | 47 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,311Fees | 0.266%Above | 47 | |
20 | Wilmington Savings Fund Society, FSBBank | Strong | Strong | Strong | Strong | Sound | $3,359Fees | 0.014%Below | 22 | |
21 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Exceptional | Strong | Acceptable | Sound | $379Credit | 0.074%Below | 10 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,061Fees | 0.531%Above | 208 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,231Fees | 0.258%Above | 116 | |
24 | PHILADELPHIA FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Sound | Sound | Strong | $567Fees | 0.230%Above | 74 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,554Fees | 0.350%Above | 69 | |
26 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,593Fees | 0.616%Above | 20 | |
27 | GREENTREE MORTGAGE COMPANY, L.P.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,350Fees | 0.511%Above | 289 | |
28 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,197Fees | 0.299%Above | 153 | |
29 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $1,959Fees | 0.517%Above | 142 | |
30 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,165Fees | 0.204%Above | 118 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,899Fees | 0.578%Above | 84 | |
32 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $973Fees | 0.245%Above | 62 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,971Fees | 0.290%Above | 50 | |
34 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,946Fees | 0.646%Above | 50 | |
35 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,847Fees | 0.577%Above | 50 | |
36 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,190Fees | 0.398%Above | 44 | |
37 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Sound | $3,197Fees | 0.472%Above | 26 | |
38 | Quaint Oak Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Sound | $3,227Fees | 0.308%Above | 18 | |
39 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Strong | Sound | $1,751Fees | 0.470%Above | 12 | |
40 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Acceptable | $4,691Fees | 0.731%Above | 10 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,269Fees | 0.414%Above | 66 | |
42 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,010Fees | 0.364%Above | 65 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,570Fees | 0.563%Above | 37 | |
44 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,133Fees | 0.201%Above | 24 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,468Fees | 0.486%Above | 22 | |
46 | Fulton Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Sound | $1,679Fees | 0.518%Above | 19 | |
47 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,880Fees | 0.680%Above | 18 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,146Fees | 0.588%Above | 14 | |
49 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,707Fees | 0.455%Above | 14 | |
50 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,947Fees | 0.728%Above | 13 |
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.