Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Tompkins Community BankBank | Exceptional | Exceptional | Exceptional | Strong | $902Fees | 0.027%Above | 43 | |
2 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,137Fees | 0.138%Above | 347 | |
3 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,055Fees | 0.193%Below | 67 | |
4 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $848Fees | 0.246%Above | 54 | |
5 | NBT Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | $974Fees | 0.018%Below | 25 | |
6 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,100Fees | 0.505%Above | 107 | |
7 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,143Fees | 0.321%Above | 100 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,164Fees | 0.775%Above | 177 | |
9 | Visions Federal Credit UnionCredit Union | Strong | Strong | Mediocre | Exceptional | $865Fees | 0.202%Above | 63 | |
10 | Community Bank, National AssociationBank | Strong | Sound | Strong | Strong | $552Fees | 0.703%Above | 62 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $2,314Fees | 0.377%Above | 37 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | $1,844Fees | 0.367%Above | 24 | |
13 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,242Fees | 0.414%Above | 72 | |
14 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | $2,944Fees | 0.747%Above | 36 |
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.