Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,513 | -0.123% | 482 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,155 | -0.267% | 345 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $142 | -0.102% | 293 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $523 | -0.220% | 136 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $413 | -0.528% | 120 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,784 | +0.095% | 731 | |
7 | OceanFirst Bank, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | -$293 | -0.302% | 465 | |
8 | Manasquan Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $199 | +0.107% | 169 | |
9 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,010 | -0.254% | 138 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $962 | -0.065% | 214 | |
11 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $888 | -0.057% | 127 | |
12 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,334 | +0.193% | 2,121 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,026 | +0.163% | 1,644 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,212 | +0.068% | 527 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,809 | +0.258% | 517 | |
16 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $893 | +0.114% | 303 | |
17 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,075 | -0.050% | 76 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,497 | +0.202% | 592 | |
19 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$72 | -0.004% | 148 | |
20 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,312 | +0.338% | 131 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,110 | +0.320% | 1,433 | |
22 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Sound | Exceptional | $2,168 | +0.246% | 985 | |
23 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,351 | +0.180% | 242 | |
24 | UNITY BANK | Strong | Acceptable | Strong | Strong | Strong | $1,806 | +0.668% | 51 | |
25 | FM Home Loans, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,212 | +0.304% | 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.
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