Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,513Fees | 0.135%Above | 368 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,070Fees | 0.083%Below | 41 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $498Credit | 0.120%Below | 37 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $323Fees | 0.508%Below | 34 | |
5 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,573Fees | 0.408%Below | 21 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,005Fees | 0.084%Below | 999 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,239Fees | 0.024%Above | 680 | |
8 | Bank of HawaiiBank | Strong | Sound | Strong | Strong | Exceptional | $4,032Fees | 0.177%Above | 357 | |
9 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,201Fees | 0.078%Below | 148 | |
10 | American Savings Bank, FSBBank | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,530Fees | 0.030%Below | 425 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $3,048Fees | 0.045%Below | 38 | |
12 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,076Fees | 0.354%Above | 82 | |
13 | First Hawaiian BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $5,238Fees | 0.293%Above | 358 | |
14 | Central Pacific BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $3,506Fees | 0.280%Above | 204 | |
15 | Territorial Savings BankBank | Strong | Acceptable | — | Sound | Exceptional | $5,857Fees | 0.339%Below | 92 | |
16 | Citadel Servicing CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $1,370Fees | 1.376%Above | 67 | |
17 | NEXERA HOLDING LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $5,488Fees | 1.015%Above | 47 | |
18 | HOMEXPRESS MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,753Fees | 1.494%Above | 35 | |
19 | LENDSURE MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $700Fees | 1.172%Above | 25 |
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.