Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $293Credit | 0.302%Below | 465 | |
2 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,746Fees | 0.021%Above | 502 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,023Fees | 0.082%Below | 201 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $523Fees | 0.220%Below | 136 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $389Fees | 0.453%Below | 124 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,513Fees | 0.123%Below | 482 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,155Fees | 0.267%Below | 345 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $142Fees | 0.102%Below | 293 | |
9 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $490Credit | 0.218%Below | 204 | |
10 | Provident BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $67Fees | 0.089%Below | 191 | |
11 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $72Credit | 0.004%Below | 148 | |
12 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $413Fees | 0.528%Below | 120 | |
13 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,075Fees | 0.050%Below | 76 | |
14 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,168Fees | 0.246%Above | 985 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,497Fees | 0.202%Above | 592 | |
16 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,212Fees | 0.068%Above | 527 | |
17 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $962Fees | 0.065%Below | 214 | |
18 | KWIK MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $342Credit | 0.087%Below | 150 | |
19 | Kearny BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,010Fees | 0.254%Below | 138 | |
20 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $1,042Fees | 0.136%Above | 63 | |
21 | Columbia BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $264Fees | 0.312%Below | 60 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,026Fees | 0.163%Above | 1,644 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,809Fees | 0.258%Above | 517 | |
25 | Manasquan BankBank | Strong | Strong | Sound | Sound | Exceptional | $199Fees | 0.107%Above | 169 | |
26 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $888Fees | 0.057%Below | 127 | |
27 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $457Fees | 0.131%Below | 127 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,239Fees | 0.399%Above | 109 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,326Fees | 0.330%Above | 77 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
31 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,580Fees | 0.356%Above | 448 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,614Fees | 0.468%Above | 419 | |
34 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $893Fees | 0.114%Above | 303 | |
35 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,460Fees | 0.046%Above | 101 | |
36 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,043Fees | 0.611%Above | 81 | |
37 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,918Fees | 0.253%Above | 64 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,302Fees | 0.136%Above | 64 | |
39 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,092Fees | 0.517%Above | 296 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,570Fees | 0.246%Above | 209 | |
41 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,471Fees | 0.276%Above | 199 | |
42 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,892Fees | 0.364%Above | 157 | |
43 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,258Fees | 0.314%Above | 140 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,625Fees | 0.399%Above | 139 | |
45 | Fulton Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,312Fees | 0.338%Above | 131 | |
46 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,924Fees | 0.474%Above | 123 | |
47 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,736Fees | 0.341%Above | 112 | |
48 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,674Fees | 0.380%Above | 88 | |
49 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,259Fees | 0.520%Above | 83 | |
50 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,058Fees | 0.341%Above | 75 |
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.