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