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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,169 | -0.229% | 49 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $232 | -0.054% | 30 | |
3 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $289 | -0.558% | 28 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,181 | -0.141% | 20 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $144 | -0.401% | 15 | |
6 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $307 | +0.027% | 12 | |
7 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $636 | -0.086% | 168 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,137 | +0.302% | 71 | |
9 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Sound | $907 | +0.031% | 25 | |
10 | The Cape Cod Five Cents Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $743 | +0.263% | 573 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,954 | +0.123% | 43 | |
12 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,544 | +0.070% | 15 | |
13 | ROCKET MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $4,254 | +0.236% | 170 | |
14 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,236 | -0.047% | 58 | |
15 | Eastern Bank | Strong | Strong | Strong | Strong | Sound | $1,261 | -0.141% | 19 | |
16 | Charles Schwab Bank, SSB | Strong | Sound | Exceptional | Exceptional | Sound | $796 | -0.335% | 11 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,493 | +0.090% | 34 | |
18 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,315 | +0.244% | 32 | |
19 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,597 | -0.146% | 26 | |
20 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $479 | +0.104% | 15 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.531% | 113 |
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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