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 | $2,527Fees | 0.188%Below | 175 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,386Fees | 0.228%Below | 159 | |
3 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,105Fees | 0.288%Below | 103 | |
4 | FIRSTBANK PUERTO RICOBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,564Fees | 0.002%Above | 99 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $508Fees | 0.491%Below | 73 | |
6 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $759Fees | 0.141%Below | 47 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,688Fees | 0.229%Above | 103 | |
8 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $539Fees | 0.653%Below | 79 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,984Fees | 0.441%Above | 4,195 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,015Fees | 0.282%Above | 1,490 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,047Fees | 0.177%Above | 724 | |
12 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,720Fees | 0.111%Above | 79 | |
13 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,933Fees | 0.162%Below | 45 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,680Fees | 0.317%Above | 336 | |
15 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $3,819Fees | 0.151%Above | 231 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,748Fees | 0.414%Above | 213 | |
17 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $733Fees | 0.288%Above | 74 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,763Fees | 0.361%Above | 230 | |
19 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,991Fees | 0.660%Above | 762 | |
20 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,982Fees | 0.528%Above | 213 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,032Fees | 0.575%Above | 180 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,155Fees | 0.447%Above | 136 | |
23 | City National Bank of FloridaBank | Strong | Sound | Strong | Sound | Strong | $1,977Fees | 0.341%Below | 108 | |
24 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,529Fees | 0.164%Above | 83 | |
25 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,333Fees | 1.026%Above | 67 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $3,763Fees | 0.222%Above | 58 | |
27 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,526Fees | 0.539%Above | 277 | |
28 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $5,686Fees | 0.338%Above | 40 | |
29 | A&D Mortgage LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $5,322Fees | 0.892%Above | 558 | |
30 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,510Credit | 1.061%Above | 128 | |
31 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,269Fees | 1.142%Above | 111 | |
32 | RELIABLE HOLDINGS MANAGER LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Exceptional | Strong | $6,091Fees | 1.159%Above | 70 | |
33 | CLEAREDGE LENDING LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $6,015Fees | 0.977%Above | 64 | |
34 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $4,260Fees | 0.571%Above | 288 | |
35 | DEEPHAVEN MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $6,591Fees | 1.231%Above | 126 | |
36 | OCMBC, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,927Fees | 0.517%Above | 91 | |
37 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,554Fees | 0.978%Above | 85 | |
38 | Hometown Equity Mortgage, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $5,802Fees | 1.012%Above | 49 | |
39 | Logan Finance CorporationIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,777Fees | 1.065%Above | 48 | |
40 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $4,443Fees | 0.431%Above | 47 | |
41 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $6,070Fees | 0.891%Above | 44 | |
42 | Cornerstone First Mortgage, IncIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,808Fees | 0.828%Above | 110 | |
43 | FIRST EQUITY MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $5,682Fees | 0.618%Above | 54 | |
44 | ARC HOME LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,728Fees | 1.039%Above | 40 |
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.