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 | Exceptional | $1,335Credit | 0.185%Below | 585 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,024Fees | 0.321%Below | 207 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,643Fees | 0.098%Below | 159 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $152Credit | 0.298%Below | 113 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $356Fees | 0.498%Below | 108 | |
6 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $624Fees | 0.115%Below | 179 | |
7 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,088Fees | 0.079%Below | 162 | |
8 | Liberty BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $60Fees | 0.472%Below | 41 | |
9 | UBS Bank USABank | Exceptional | Exceptional | Exceptional | Strong | Sound | $433Fees | 0.074%Below | 35 | |
10 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $423Fees | 0.226%Below | 25 | |
11 | Newtown Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,678Fees | 0.201%Below | 314 | |
12 | Union Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,084Fees | 0.285%Below | 139 | |
13 | SIKORSKY FINANCIAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $884Fees | 0.637%Below | 84 | |
14 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,700Fees | 0.095%Above | 79 | |
15 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $727Fees | 0.689%Below | 37 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,329Fees | 0.233%Above | 503 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,186Fees | 0.252%Above | 390 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,321Fees | 0.033%Above | 387 | |
19 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,050Fees | 0.047%Above | 76 | |
20 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,029Fees | 0.105%Above | 48 | |
21 | Charles Schwab Bank, SSBBank | Strong | Sound | Exceptional | Exceptional | Sound | $975Fees | 0.384%Below | 38 | |
22 | Ridgewood Savings BankBank | Strong | Strong | Strong | Sound | Strong | $1,771Fees | 0.111%Below | 33 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,593Fees | 0.336%Above | 376 | |
24 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,790Fees | 0.052%Above | 162 | |
25 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,025Fees | 0.302%Above | 120 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,747Fees | 0.365%Above | 41 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,455Fees | 0.329%Above | 157 | |
28 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,871Fees | 0.300%Above | 125 | |
29 | Bethpage Federal Credit UnionCredit Union | Strong | Sound | Exceptional | Sound | Sound | $1,956Fees | 0.140%Below | 25 | |
30 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,311Fees | 0.382%Above | 494 | |
31 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,114Fees | 0.468%Above | 153 | |
32 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $433Fees | 1.635%Above | 32 | |
33 | Citadel Servicing CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $1,500Fees | 2.128%Above | 27 | |
34 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,695Fees | 1.310%Above | 19 |
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.