Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,702Fees | 0.124%Above | 114 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,957Fees | 0.104%Below | 85 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,133Fees | 0.115%Above | 79 | |
4 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,615Fees | 0.046%Below | 271 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $298Fees | 0.299%Below | 40 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,266Fees | 0.235%Above | 73 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,743Fees | 0.391%Above | 1,934 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,640Fees | 0.293%Above | 1,095 | |
9 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,375Fees | 0.059%Above | 49 | |
10 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,511Fees | 0.043%Above | 44 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,702Fees | 0.280%Above | 166 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,034Fees | 0.778%Above | 639 | |
13 | Regions BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,513Fees | 0.300%Above | 53 | |
14 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,122Fees | 1.295%Above | 40 | |
15 | Sanibel Captiva Community BankBank | Sound | Mediocre | Strong | Acceptable | Strong | $4,526Fees | 1.406%Above | 55 |
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.