Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $0Fees | 0.193%Above | 873 | |
2 | Tompkins Community BankBank | Exceptional | Exceptional | Exceptional | Exceptional | $1,144Fees | 0.017%Above | 446 | |
3 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | $991Fees | 0.070%Below | 736 | |
4 | NBT Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | $1,086Fees | 0.081%Below | 450 | |
5 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,224Fees | 0.257%Above | 4,446 | |
6 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
7 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
8 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Exceptional | $304Credit | 0.246%Below | 2,587 | |
9 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $323Fees | 0.553%Below | 591 | |
10 | TrustCo BankBank | Exceptional | Exceptional | Sound | Exceptional | $1,659Fees | 0.218%Below | 493 | |
11 | Valley National BankBank | Exceptional | Exceptional | Strong | Strong | $1,149Fees | 0.496%Below | 450 | |
12 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | $1,052Fees | 0.167%Above | 2,631 | |
13 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,115Fees | 0.093%Below | 2,366 | |
14 | KeyBank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,211Fees | 0.052%Above | 1,503 | |
15 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,501Fees | 0.260%Below | 1,433 | |
16 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $555Fees | 0.473%Below | 643 | |
17 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,274Fees | 0.085%Above | 640 | |
18 | TEACHERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $705Fees | 0.234%Above | 599 | |
19 | The Lyons National BankBank | Exceptional | Strong | Strong | Exceptional | $967Fees | 0.297%Above | 470 | |
20 | Five Star BankBank | Exceptional | Strong | Strong | Exceptional | $1,278Fees | 0.263%Above | 397 | |
21 | Municipal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $512Fees | 0.267%Below | 238 | |
22 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
23 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,682Fees | 0.187%Below | 2,546 | |
24 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $157Fees | 0.158%Below | 967 | |
25 | Bethpage Federal Credit UnionCredit Union | Strong | Strong | Sound | Exceptional | $1,671Fees | 0.188%Below | 699 | |
26 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Strong | $579Fees | 0.211%Below | 371 | |
27 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
28 | SUNMARK CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,868Fees | 0.050%Above | 309 | |
29 | Northwest BankBank | Strong | Strong | Strong | Strong | $1,119Fees | 0.113%Above | 285 | |
30 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $1,798Fees | 0.109%Above | 252 | |
31 | Glens Falls National Bank and Trust CompanyBank | Strong | Strong | Strong | Strong | $1,117Fees | 0.059%Above | 242 | |
32 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $3,228Fees | 0.144%Above | 6,052 | |
33 | Community Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $389Fees | 0.784%Above | 1,928 | |
34 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
35 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
36 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
37 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,840Fees | 0.392%Above | 705 | |
38 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,134Fees | 0.096%Above | 497 | |
39 | United Nations Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $175Fees | 0.601%Below | 253 | |
40 | Ulster Savings BankBank | Strong | Sound | Exceptional | Strong | $2,708Fees | 0.157%Above | 249 | |
41 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
42 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
43 | Genesee Regional BankBank | Strong | Acceptable | Exceptional | Exceptional | $1,911Fees | 0.504%Above | 1,480 | |
44 | TD Bank, National AssociationBank | Strong | Sound | Sound | Exceptional | $1,072Fees | 0.053%Above | 1,292 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,270Fees | 0.460%Above | 1,189 | |
46 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
47 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Exceptional | Exceptional | $2,124Fees | 0.432%Above | 636 | |
48 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,177Fees | 1.293%Above | 309 | |
49 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,780Fees | 0.060%Above | 291 | |
50 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 |
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.