Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,513Fees | 0.123%Below | 482 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,155Fees | 0.267%Below | 345 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $142Fees | 0.102%Below | 293 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $523Fees | 0.220%Below | 136 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $413Fees | 0.528%Below | 120 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,784Fees | 0.095%Above | 731 | |
7 | OceanFirst Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $293Credit | 0.302%Below | 465 | |
8 | Manasquan BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $199Fees | 0.107%Above | 169 | |
9 | Kearny BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,010Fees | 0.254%Below | 138 | |
10 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $962Fees | 0.065%Below | 214 | |
11 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $888Fees | 0.057%Below | 127 | |
12 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,334Fees | 0.193%Above | 2,121 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,026Fees | 0.163%Above | 1,644 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,212Fees | 0.068%Above | 527 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,809Fees | 0.258%Above | 517 | |
16 | TD Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $893Fees | 0.114%Above | 303 | |
17 | Valley National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,075Fees | 0.050%Below | 76 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,497Fees | 0.202%Above | 592 | |
19 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $72Credit | 0.004%Below | 148 | |
20 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,312Fees | 0.338%Above | 131 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110Fees | 0.320%Above | 1,433 | |
22 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,168Fees | 0.246%Above | 985 | |
23 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,351Fees | 0.180%Above | 242 | |
24 | UNITY BANKBank | Strong | Acceptable | Strong | Strong | Strong | $1,806Fees | 0.668%Above | 51 | |
25 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,212Fees | 0.304%Above | 229 |
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.