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 | Strong | $375Fees | 0.088%Above | 97 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,073Fees | 0.127%Below | 88 | |
3 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,041Credit | 0.145%Below | 84 | |
4 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,586Fees | 0.072%Below | 55 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $210Fees | 0.512%Below | 45 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,890Fees | 0.307%Above | 451 | |
7 | Associated Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $655Fees | 0.004%Above | 43 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $306Credit | 0.283%Above | 103 | |
9 | PROPER RATE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,669Fees | 0.286%Above | 87 | |
10 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $604Fees | 0.217%Above | 45 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,541Fees | 0.238%Above | 542 | |
12 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,371Fees | 0.162%Above | 423 | |
13 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,306Fees | 0.364%Above | 407 | |
14 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,688Fees | 0.447%Above | 329 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,340Fees | 0.403%Above | 150 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,560Fees | 0.526%Above | 427 | |
17 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $615Credit | 0.218%Above | 159 |
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.