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 | $1,494 | -0.101% | 1,556 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,259 | -0.245% | 1,086 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $211 | -0.090% | 959 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $330 | -0.299% | 534 | |
5 | Kearny Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,001 | -0.252% | 402 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $358 | -0.519% | 372 | |
7 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,386 | +0.126% | 2,925 | |
8 | OceanFirst Bank, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | -$303 | -0.225% | 1,006 | |
9 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $694 | -0.045% | 862 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $553 | -0.435% | 493 | |
11 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $1,597 | +0.013% | 2,180 | |
12 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,156 | -0.048% | 505 | |
13 | Valley National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,157 | -0.255% | 354 | |
14 | Columbia Bank | Exceptional | Exceptional | — | Sound | Exceptional | $259 | -0.618% | 349 | |
15 | Manasquan Bank | Exceptional | Strong | Strong | Exceptional | Strong | $189 | +0.099% | 180 | |
16 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,433 | +0.239% | 6,687 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,539 | +0.175% | 4,989 | |
18 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,377 | +0.057% | 2,089 | |
19 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,572 | +0.396% | 1,443 | |
20 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,746 | +0.385% | 1,407 | |
21 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,337 | +0.204% | 1,267 | |
22 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $732 | +0.153% | 1,057 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,883 | +0.137% | 2,270 | |
24 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,546 | +0.207% | 887 | |
25 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $642 | +0.037% | 467 | |
26 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,727 | +0.406% | 279 | |
27 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,385 | +0.071% | 221 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,342 | +0.372% | 5,464 | |
29 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Strong | Sound | Exceptional | $2,314 | +0.271% | 1,736 | |
30 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,893 | +0.330% | 1,034 | |
31 | 1st Colonial Community Bank | Strong | Sound | — | Strong | Exceptional | $1,972 | +0.218% | 271 | |
32 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,422 | +0.535% | 1,100 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,699 | +0.373% | 727 | |
34 | EMBRACE HOME LOANS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,530 | +0.304% | 491 | |
35 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,101 | +0.286% | 378 | |
36 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,045 | +1.272% | 182 | |
37 | NFM, INC. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,959 | +0.414% | 1,163 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,114 | +0.515% | 697 | |
39 | UNITY BANK | Strong | Acceptable | Strong | Strong | Strong | $1,856 | +0.554% | 202 | |
40 | BOND STREET MORTGAGE, LLC | Strong | Acceptable | Sound | Sound | Exceptional | $2,825 | +0.296% | 648 | |
41 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,984 | +0.362% | 297 | |
42 | FM Home Loans, LLC | Sound | Mediocre | Strong | Strong | Strong | $2,381 | +0.329% | 288 | |
43 | Cornerstone First Mortgage, Inc | Sound | Mediocre | Strong | Sound | Strong | $4,055 | +0.527% | 361 | |
44 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $2,666 | +0.478% | 331 | |
45 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,723 | +0.392% | 175 | |
46 | ABSOLUTE HOME MORTGAGE CORPORATION | Sound | Mediocre | Sound | Acceptable | Exceptional | $3,564 | +0.473% | 1,540 |
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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