Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,224Fees | 0.257%Above | 4,446 | |
2 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
3 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
4 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $991Fees | 0.070%Below | 736 | |
5 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,052Fees | 0.167%Above | 2,631 | |
6 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,211Fees | 0.052%Above | 1,503 | |
7 | AMERICU Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,274Fees | 0.085%Above | 640 | |
8 | SUNMARK CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $1,868Fees | 0.050%Above | 309 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
10 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
11 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,177Fees | 1.293%Above | 309 | |
12 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $304Credit | 0.246%Below | 2,587 | |
13 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,115Fees | 0.093%Below | 2,366 | |
14 | Genesee Regional BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,911Fees | 0.504%Above | 1,480 | |
15 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
16 | TD Bank, National AssociationBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,072Fees | 0.053%Above | 1,292 | |
17 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $157Fees | 0.158%Below | 967 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
19 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
20 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
21 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,270Fees | 0.460%Above | 1,189 | |
22 | Bethpage Federal Credit UnionCredit Union | Strong | Strong | Sound | Sound | Exceptional | $1,671Fees | 0.188%Below | 699 | |
23 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $3,769Fees | 0.429%Above | 633 | |
24 | Five Star BankBank | Strong | Strong | Sound | Sound | Exceptional | $1,278Fees | 0.263%Above | 397 | |
25 | Glens Falls National Bank and Trust CompanyBank | Strong | Strong | — | Strong | Strong | $1,117Fees | 0.059%Above | 242 | |
26 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $3,228Fees | 0.144%Above | 6,052 | |
27 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $1,682Fees | 0.187%Below | 2,546 | |
28 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
29 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,292Fees | 0.391%Above | 1,387 | |
30 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,022Fees | 0.416%Above | 749 | |
31 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,840Fees | 0.392%Above | 705 | |
32 | Valley National BankBank | Strong | Strong | Sound | Sound | Strong | $1,149Fees | 0.496%Below | 450 | |
33 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $4,608Fees | 0.556%Above | 366 | |
34 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
35 | MID-ISLAND MORTGAGE CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,798Fees | 0.109%Above | 252 | |
36 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
37 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,538Fees | 0.448%Above | 870 | |
39 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,394Fees | 0.132%Above | 767 | |
40 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $4,685Fees | 0.409%Above | 647 | |
41 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Strong | Strong | Exceptional | $2,124Fees | 0.432%Above | 636 | |
42 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,826Fees | 0.161%Above | 547 | |
43 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | Exceptional | $1,134Fees | 0.096%Above | 497 | |
44 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,403Fees | 0.596%Above | 466 | |
45 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,351Fees | 0.094%Above | 275 | |
46 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Exceptional | $1,501Fees | 0.260%Below | 1,433 | |
47 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,730Fees | 0.465%Above | 703 | |
48 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Strong | $4,983Fees | 0.413%Above | 650 | |
49 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,565Fees | 0.631%Above | 282 | |
50 | HARTFORD FUNDING, LTD.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $5,242Fees | 0.465%Above | 234 |
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.