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 | $721Credit | 0.123%Below | 817 | |
2 | Liberty BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $18Credit | 0.152%Below | 682 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,480Fees | 0.242%Below | 461 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,214Fees | 0.027%Above | 306 | |
5 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $680Fees | 0.231%Below | 158 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $369Fees | 0.469%Below | 139 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $516Fees | 0.460%Below | 324 | |
8 | Chelsea Groton BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $322Fees | 0.019%Below | 238 | |
9 | SIKORSKY FINANCIAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $922Fees | 0.555%Below | 234 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
11 | Newtown Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
12 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
13 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,317Fees | 0.021%Above | 365 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,094Fees | 0.315%Above | 2,211 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,456Fees | 0.139%Above | 736 | |
17 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,217Fees | 0.464%Above | 734 | |
18 | Union Savings BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,008Fees | 0.262%Below | 209 | |
19 | Charter Oak Federal Credit UnionCredit Union | Exceptional | Exceptional | — | Sound | Strong | $344Credit | 0.188%Below | 175 | |
20 | Northwest Community BankBank | Exceptional | Exceptional | — | Sound | Strong | $618Fees | 0.142%Below | 98 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,904Fees | 0.265%Above | 297 | |
22 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $988Fees | 0.150%Above | 204 | |
23 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $939Fees | 0.240%Above | 167 | |
24 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
25 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,222Fees | 0.361%Above | 914 | |
26 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,584Fees | 0.401%Above | 661 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,330Fees | 0.410%Above | 504 | |
28 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,360Fees | 0.208%Above | 460 | |
29 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,443Fees | 0.462%Above | 2,298 | |
30 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,916Fees | 0.486%Above | 527 | |
31 | WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,729Fees | 0.095%Above | 96 |
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.