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 | $2,098Fees | 0.069%Above | 137 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,861Fees | 0.166%Below | 120 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $520Fees | 0.160%Above | 40 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $351Fees | 0.436%Below | 32 | |
5 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,832Fees | 0.170%Above | 97 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,806Fees | 0.296%Above | 71 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,211Fees | 0.059%Above | 484 | |
8 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,695Fees | 0.016%Above | 57 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,675Fees | 0.312%Above | 289 | |
10 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,157Fees | 0.054%Above | 138 | |
11 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,369Fees | 0.407%Above | 111 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,332Fees | 0.317%Above | 391 | |
13 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Sound | $824Fees | 0.139%Above | 54 | |
14 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,649Fees | 0.088%Above | 45 | |
15 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Sound | Exceptional | Exceptional | $3,582Fees | 0.308%Above | 927 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,696Fees | 0.357%Above | 262 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,979Fees | 0.402%Above | 234 | |
18 | Wilmington Savings Fund Society, FSBBank | Strong | Mediocre | Strong | Strong | Exceptional | $684Fees | 0.068%Below | 265 |
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.