Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,810Fees | 0.084%Above | 127 | |
2 | Rhinebeck BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $797Fees | 0.068%Above | 22 | |
3 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,272Fees | 0.064%Above | 14 | |
4 | Ulster Savings BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,658Fees | 0.105%Above | 139 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,986Fees | 0.051%Above | 21 | |
6 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Sound | $1,830Fees | 0.163%Above | 21 | |
7 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,861Fees | 0.097%Below | 10 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,520Fees | 0.395%Above | 134 | |
9 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,718Fees | 0.170%Above | 63 | |
10 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,116Fees | 0.033%Below | 61 | |
11 | MID-HUDSON VALLEY Federal Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,081Fees | 0.094%Above | 54 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,764Fees | 0.204%Above | 41 | |
13 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,173Fees | 0.244%Below | 13 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,525Fees | 0.385%Above | 64 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,334Fees | 0.298%Above | 25 | |
16 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,917Fees | 0.298%Above | 80 | |
17 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,379Fees | 0.389%Above | 41 | |
18 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,812Fees | 0.101%Above | 13 | |
19 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Sound | $1,338Fees | 0.097%Above | 12 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,239Fees | 0.569%Above | 29 | |
21 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $6,735Fees | 0.697%Above | 10 |
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.