Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $137Fees | 0.153%Below | 555 | |
2 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,426Fees | 0.160%Below | 593 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,780Fees | 0.220%Below | 553 | |
4 | TEACHERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $580Fees | 0.241%Above | 509 | |
5 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,462Fees | 0.306%Below | 340 | |
6 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $976Fees | 0.610%Below | 202 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $429Fees | 0.112%Below | 192 | |
8 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,883Fees | 0.166%Above | 151 | |
9 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $303Fees | 0.608%Below | 148 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $290Fees | 0.657%Below | 77 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,476Fees | 0.053%Above | 1,367 | |
12 | Bethpage Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $1,773Fees | 0.174%Below | 486 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,050Fees | 0.142%Above | 2,441 | |
14 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,075Fees | 0.236%Above | 1,401 | |
15 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,964Fees | 0.345%Above | 299 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,302Fees | 0.179%Above | 229 | |
17 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,607Fees | 0.000%Above | 172 | |
18 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,630Fees | 0.254%Above | 1,411 | |
19 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,753Fees | 0.326%Above | 904 | |
20 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,980Fees | 0.433%Above | 495 | |
21 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,438Fees | 0.266%Above | 421 | |
22 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,332Fees | 0.012%Above | 358 | |
23 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Strong | Sound | Sound | Strong | $1,702Fees | 0.037%Above | 156 | |
24 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,852Fees | 0.018%Below | 91 | |
25 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $1,939Fees | 0.179%Above | 73 | |
26 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,658Fees | 0.090%Above | 352 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $5,196Fees | 0.218%Above | 176 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,571Fees | 0.029%Above | 174 | |
29 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $4,102Fees | 0.388%Above | 138 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,184Fees | 0.082%Above | 134 | |
31 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,303Fees | 0.418%Above | 115 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,448Fees | 0.292%Above | 112 | |
33 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $3,238Fees | 0.025%Above | 63 | |
34 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,773Fees | 0.148%Above | 464 | |
35 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $4,091Fees | 0.333%Above | 419 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,281Fees | 0.338%Above | 357 | |
37 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,893Fees | 0.437%Above | 171 | |
38 | LYNX MORTGAGE BANK LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | Strong | $2,061Fees | 0.010%Above | 164 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,039Fees | 1.007%Above | 78 | |
40 | Ridgewood Savings BankBank | Strong | Strong | Acceptable | Acceptable | Strong | $378Fees | 0.276%Below | 76 | |
41 | Dime Community BankBank | Strong | Strong | Acceptable | Acceptable | Strong | $1,265Fees | 0.455%Below | 56 | |
42 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $5,519Fees | 0.379%Above | 52 | |
43 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $4,793Fees | 0.450%Above | 937 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,394Fees | 0.259%Above | 206 | |
45 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,337Fees | 0.117%Above | 126 | |
46 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,946Fees | 0.288%Above | 116 | |
47 | UNITED MORTGAGE CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,584Fees | 0.545%Above | 521 | |
48 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $5,050Fees | 0.461%Above | 418 | |
49 | RELIANT HOME FUNDING, INCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | Strong | $3,538Fees | 0.299%Above | 162 |
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.