Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $511Fees | 0.062%Below | 126 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,144Fees | 0.040%Below | 94 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,585Fees | 0.306%Below | 56 | |
4 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,346Fees | 0.052%Above | 203 | |
5 | OceanFirst Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $164Fees | 0.016%Above | 201 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $334Fees | 0.549%Below | 30 | |
7 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,252Fees | 0.292%Below | 18 | |
8 | UBS Bank USABank | Exceptional | Exceptional | Exceptional | Strong | Sound | $945Fees | 0.097%Above | 11 | |
9 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,165Fees | 0.204%Above | 118 | |
10 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,906Fees | 0.029%Above | 47 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,742Fees | 0.393%Above | 364 | |
12 | Valley National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,611Fees | 0.053%Above | 36 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,554Fees | 0.350%Above | 69 | |
14 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $973Fees | 0.245%Above | 62 | |
15 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,311Fees | 0.266%Above | 47 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,061Fees | 0.531%Above | 208 | |
17 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,135Fees | 0.110%Above | 26 | |
18 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,679Fees | 0.518%Above | 19 | |
19 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,197Fees | 0.299%Above | 153 | |
20 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Sound | Sound | $1,751Fees | 0.470%Above | 12 | |
21 | Wilmington Savings Fund Society, FSBBank | Sound | Mediocre | Strong | Strong | Sound | $3,359Fees | 0.014%Below | 22 |
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.