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 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $137 | -0.153% | 555 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,780 | -0.220% | 553 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,462 | -0.306% | 340 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $429 | -0.112% | 192 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $303 | -0.608% | 148 | |
6 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,426 | -0.160% | 593 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,571 | +0.029% | 174 | |
8 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,607 | +0.000% | 172 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,050 | +0.142% | 2,441 | |
10 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $5,075 | +0.236% | 1,401 | |
11 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,476 | +0.053% | 1,367 | |
12 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,332 | +0.012% | 358 | |
13 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $976 | -0.610% | 202 | |
14 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Sound | Strong | Strong | Exceptional | $3,980 | +0.433% | 495 | |
15 | Bethpage Federal Credit Union | Strong | Sound | Exceptional | Sound | Exceptional | $1,773 | -0.174% | 486 | |
16 | Ridgewood Savings Bank | Strong | Strong | Strong | Sound | Strong | $378 | -0.276% | 76 | |
17 | Dime Community Bank | Strong | Strong | Strong | Sound | Strong | $1,265 | -0.455% | 56 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,753 | +0.326% | 904 | |
19 | TEACHERS FEDERAL CREDIT UNION | Strong | Sound | Strong | Sound | Exceptional | $580 | +0.241% | 509 | |
20 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $2,303 | +0.418% | 115 | |
21 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,816 | +0.038% | 49 | |
22 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,773 | +0.148% | 464 | |
23 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,100 | +1.017% | 97 | |
24 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Sound | Strong | Exceptional | $3,630 | +0.254% | 1,411 | |
25 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $4,091 | +0.333% | 419 | |
26 | NATIONWIDE MORTGAGE BANKERS, INC. | Sound | Mediocre | Strong | Sound | Exceptional | $4,793 | +0.450% | 937 | |
27 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | Exceptional | $4,632 | +0.357% | 398 | |
28 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $4,102 | +0.388% | 138 | |
29 | FM Home Loans, LLC | Sound | Mediocre | Strong | Strong | Strong | $2,946 | +0.288% | 116 | |
30 | A&D Mortgage LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,506 | +0.386% | 92 | |
31 | ARC HOME LLC | Sound | Mediocre | Exceptional | Sound | Strong | $5,636 | +0.610% | 63 | |
32 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,964 | +0.345% | 299 | |
33 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,946 | +0.726% | 195 | |
34 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,251 | +0.472% | 178 |
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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