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 | $460Fees | 0.254%Above | 2,055 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,634Fees | 0.082%Below | 1,025 | |
3 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,743Credit | 0.101%Below | 811 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,823Fees | 0.033%Above | 781 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $252Fees | 0.414%Below | 295 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,009Fees | 0.369%Above | 7,686 | |
7 | PROPER RATE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,656Fees | 0.268%Above | 1,337 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $339Credit | 0.266%Above | 1,233 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $456Fees | 0.440%Below | 707 | |
10 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $533Fees | 0.096%Above | 484 | |
11 | Old National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $861Fees | 0.034%Above | 626 | |
12 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $449Fees | 0.420%Above | 582 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,855Fees | 0.413%Above | 7,352 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,394Fees | 0.490%Above | 7,176 | |
15 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,688Fees | 0.163%Above | 6,487 | |
16 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,856Fees | 0.455%Above | 2,395 | |
17 | GREENSTATE Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $833Fees | 0.048%Above | 2,002 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,865Fees | 0.657%Above | 2,802 | |
19 | A & N MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,570Fees | 0.336%Above | 1,149 | |
20 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $188Credit | 0.254%Above | 784 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,170Fees | 0.188%Above | 781 | |
22 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,088Fees | 0.479%Above | 321 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,820Fees | 0.594%Above | 4,482 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,737Fees | 0.680%Above | 3,156 | |
25 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $745Credit | 0.195%Above | 2,085 | |
26 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,378Fees | 0.587%Above | 2,081 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,993Fees | 0.486%Above | 838 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,989Fees | 0.723%Above | 2,381 | |
29 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,239Fees | 0.629%Above | 1,112 | |
30 | LOWER, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,510Fees | 0.608%Above | 1,031 | |
31 | COMPASS MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | — | Exceptional | Exceptional | $2,500Fees | 0.580%Above | 904 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Sound | Acceptable | Strong | $1,661Fees | 0.439%Above | 810 | |
33 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,281Fees | 0.479%Above | 391 | |
34 | NexBankBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,484Fees | 0.411%Above | 280 | |
35 | KEY MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $1,739Fees | 0.348%Above | 1,273 | |
36 | The Federal Savings BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $3,061Fees | 0.794%Above | 933 | |
37 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Sound | Exceptional | $3,206Fees | 0.684%Above | 2,009 | |
38 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,835Fees | 0.590%Above | 980 | |
39 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,331Fees | 0.369%Above | 337 | |
40 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,249Fees | 0.530%Above | 704 |
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.