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 | $683Fees | 0.069%Above | 95 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,951Fees | 0.060%Below | 73 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,546Fees | 0.319%Below | 53 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $366Fees | 0.410%Below | 49 | |
5 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,480Fees | 0.054%Below | 151 | |
6 | Suncoast Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $552Credit | 0.874%Below | 69 | |
7 | UBS Bank USABank | Exceptional | Exceptional | Exceptional | Strong | Sound | $954Fees | 0.001%Below | 23 | |
8 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,033Fees | 0.353%Below | 18 | |
9 | Raymond James BankBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $111Credit | 0.364%Below | 17 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,249Fees | 0.342%Above | 53 | |
11 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,422Fees | 0.052%Above | 52 | |
12 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $234Fees | 0.041%Above | 49 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,705Fees | 0.342%Above | 438 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,292Fees | 0.271%Above | 367 | |
15 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $416Fees | 0.010%Below | 33 | |
16 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,005Fees | 0.053%Below | 14 | |
17 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,839Credit | 0.095%Below | 11 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,533Fees | 0.242%Above | 153 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,794Fees | 0.165%Above | 119 | |
20 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,024Fees | 0.415%Above | 99 | |
21 | MIDFLORIDACredit Union | Strong | Strong | Strong | Sound | Strong | $1,185Fees | 0.222%Below | 26 | |
22 | Charles Schwab Bank, SSBBank | Strong | Sound | Exceptional | Exceptional | Sound | $908Fees | 0.174%Below | 24 | |
23 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $5,003Fees | 0.643%Above | 490 | |
24 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,426Fees | 0.131%Above | 26 | |
25 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,381Fees | 0.263%Above | 19 | |
26 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,954Fees | 0.485%Above | 20 | |
27 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,516Fees | 0.562%Above | 107 | |
28 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,300Fees | 0.464%Above | 44 | |
29 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $637Fees | 0.158%Above | 26 | |
30 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,664Fees | 0.947%Above | 21 | |
31 | ANGEL OAK MORTGAGE SOLUTIONS LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,051Fees | 1.043%Above | 22 |
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.