Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,810Fees | 0.084%Above | 127 | |
2 | Rhinebeck BankBank | Exceptional | Exceptional | Sound | Strong | $797Fees | 0.068%Above | 22 | |
3 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | $1,830Fees | 0.163%Above | 21 | |
4 | Ulster Savings BankBank | Strong | Sound | Exceptional | Exceptional | $2,658Fees | 0.105%Above | 139 | |
5 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,718Fees | 0.170%Above | 63 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,525Fees | 0.385%Above | 64 | |
7 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,116Fees | 0.033%Below | 61 | |
8 | MID-HUDSON VALLEY Federal Credit UnionCredit Union | Strong | Strong | Acceptable | Exceptional | $1,081Fees | 0.094%Above | 54 | |
9 | Bank of America, National AssociationBank | Strong | Strong | Strong | Sound | $1,986Fees | 0.051%Above | 21 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,520Fees | 0.395%Above | 134 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,764Fees | 0.204%Above | 41 | |
12 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,917Fees | 0.298%Above | 80 | |
13 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,334Fees | 0.298%Above | 25 | |
14 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,379Fees | 0.389%Above | 41 | |
15 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,239Fees | 0.569%Above | 29 |
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.