Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATEDCredit Union | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,302Fees | 0.266%Below | 344 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $636Fees | 0.456%Below | 685 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,859Fees | 0.108%Below | 303 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,934Fees | 0.029%Above | 259 | |
5 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $349Fees | 0.019%Above | 109 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $629Credit | 0.066%Below | 494 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $844Fees | 0.079%Above | 398 | |
8 | WesBanco Bank, Inc.Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,650Fees | 0.222%Above | 100 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,143Fees | 0.282%Above | 2,545 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,993Fees | 0.096%Above | 1,767 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,657Fees | 0.097%Above | 496 | |
12 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,543Fees | 0.039%Above | 357 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,585Fees | 0.097%Below | 308 | |
14 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,828Fees | 0.245%Above | 231 | |
15 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $808Fees | 0.056%Above | 145 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.309%Above | 506 | |
17 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,217Fees | 0.219%Above | 263 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,284Fees | 0.114%Above | 261 | |
19 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,494Credit | 0.216%Above | 74 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,704Fees | 0.417%Above | 435 | |
21 | DAS Acquisition Company, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $3,177Fees | 0.114%Above | 374 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $4,273Fees | 0.392%Above | 1,197 | |
23 | MERIDIAN BANKBank | Strong | Sound | Sound | Acceptable | Exceptional | $2,057Fees | 0.194%Above | 723 | |
24 | Sandy Spring BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $2,144Fees | 0.231%Above | 268 | |
25 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,406Fees | 0.290%Above | 253 | |
26 | Shore United Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | Strong | $2,590Fees | 0.144%Above | 193 | |
27 | United BankBank | Strong | Acceptable | Strong | Strong | Strong | $1,838Fees | 0.225%Below | 186 | |
28 | FIRST HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,875Fees | 0.376%Above | 1,754 |
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.