Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Exceptional | $293Credit | 0.302%Below | 465 | |
2 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $490Credit | 0.218%Below | 204 | |
3 | Provident BankBank | Exceptional | Exceptional | Sound | Exceptional | $67Fees | 0.089%Below | 191 | |
4 | Kearny BankBank | Exceptional | Exceptional | Strong | Strong | $1,010Fees | 0.254%Below | 138 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $413Fees | 0.528%Below | 120 | |
6 | Valley National BankBank | Exceptional | Exceptional | Strong | Strong | $1,075Fees | 0.050%Below | 76 | |
7 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,746Fees | 0.021%Above | 502 | |
8 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,023Fees | 0.082%Below | 201 | |
9 | Manasquan BankBank | Exceptional | Strong | Strong | Exceptional | $199Fees | 0.107%Above | 169 | |
10 | KWIK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $342Credit | 0.087%Below | 150 | |
11 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $523Fees | 0.220%Below | 136 | |
12 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $389Fees | 0.453%Below | 124 | |
13 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,042Fees | 0.136%Above | 63 | |
14 | Columbia BankBank | Exceptional | Exceptional | Sound | Strong | $264Fees | 0.312%Below | 60 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,026Fees | 0.163%Above | 1,644 | |
16 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,168Fees | 0.246%Above | 985 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,513Fees | 0.123%Below | 482 | |
18 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,155Fees | 0.267%Below | 345 | |
19 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $142Fees | 0.102%Below | 293 | |
20 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $962Fees | 0.065%Below | 214 | |
21 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $72Credit | 0.004%Below | 148 | |
22 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $888Fees | 0.057%Below | 127 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,497Fees | 0.202%Above | 592 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,212Fees | 0.068%Above | 527 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,809Fees | 0.258%Above | 517 | |
27 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,460Fees | 0.046%Above | 101 | |
28 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,326Fees | 0.330%Above | 77 | |
29 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,580Fees | 0.356%Above | 448 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,614Fees | 0.468%Above | 419 | |
32 | TD Bank, National AssociationBank | Strong | Sound | Sound | Exceptional | $893Fees | 0.114%Above | 303 | |
33 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,925Fees | 0.059%Above | 274 | |
34 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,312Fees | 0.338%Above | 131 | |
35 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,095Fees | 0.383%Above | 109 | |
36 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,526Fees | 0.287%Above | 62 | |
37 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | $3,300Fees | 0.382%Above | 60 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
39 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,892Fees | 0.364%Above | 157 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,625Fees | 0.399%Above | 139 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $457Fees | 0.131%Below | 127 | |
42 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,043Fees | 0.611%Above | 81 | |
43 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,058Fees | 0.341%Above | 75 | |
44 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,302Fees | 0.136%Above | 64 | |
45 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,918Fees | 0.253%Above | 64 | |
46 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,092Fees | 0.517%Above | 296 | |
47 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,351Fees | 0.180%Above | 242 | |
48 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,570Fees | 0.246%Above | 209 | |
49 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,471Fees | 0.276%Above | 199 | |
50 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,416Fees | 0.328%Above | 181 |
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.