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 | $304Credit | 0.246%Below | 2,587 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,682Fees | 0.187%Below | 2,546 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,501Fees | 0.260%Below | 1,433 | |
4 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $991Fees | 0.070%Below | 736 | |
5 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,620Fees | 0.125%Above | 3,576 | |
6 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $157Fees | 0.158%Below | 967 | |
7 | Empower Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $0Fees | 0.193%Above | 873 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $323Fees | 0.553%Below | 591 | |
9 | NBT Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,086Fees | 0.081%Below | 450 | |
10 | Tompkins Community BankBank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $1,144Fees | 0.017%Above | 446 | |
11 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $579Fees | 0.211%Below | 371 | |
12 | United Nations Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $175Fees | 0.601%Below | 253 | |
13 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,052Fees | 0.167%Above | 2,631 | |
14 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,115Fees | 0.093%Below | 2,366 | |
15 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $555Fees | 0.473%Below | 643 | |
16 | TrustCo BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,659Fees | 0.218%Below | 493 | |
17 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,322Fees | 0.206%Below | 2,686 | |
18 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,211Fees | 0.052%Above | 1,503 | |
19 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,643Fees | 0.159%Above | 945 | |
20 | Glens Falls National Bank and Trust CompanyBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,117Fees | 0.059%Above | 242 | |
21 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,704Fees | 0.243%Above | 9,211 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,170Fees | 0.505%Above | 8,480 | |
23 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,228Fees | 0.144%Above | 6,052 | |
24 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,854Fees | 0.406%Above | 1,702 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,220Fees | 0.268%Above | 1,294 | |
26 | TD Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,072Fees | 0.053%Above | 1,292 | |
27 | The Lyons National BankBank | Exceptional | Strong | Sound | Strong | Exceptional | $967Fees | 0.297%Above | 470 | |
28 | Valley National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,149Fees | 0.496%Below | 450 | |
29 | Five Star BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,278Fees | 0.263%Above | 397 | |
30 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $2,896Fees | 0.104%Above | 365 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $2,386Fees | 0.196%Above | 1,333 | |
32 | Bethpage Federal Credit UnionCredit Union | Strong | Sound | Exceptional | Sound | Exceptional | $1,671Fees | 0.188%Below | 699 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,630Fees | 0.321%Above | 4,107 | |
34 | Community Bank, National AssociationBank | Strong | Sound | Sound | Strong | Exceptional | $389Fees | 0.784%Above | 1,928 | |
35 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | — | Strong | Exceptional | $2,275Fees | 0.230%Above | 1,401 | |
36 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,538Fees | 0.448%Above | 870 | |
37 | TEACHERS FEDERAL CREDIT UNIONCredit Union | Strong | Sound | Strong | Sound | Exceptional | $705Fees | 0.234%Above | 599 | |
38 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | — | Strong | Exceptional | $1,134Fees | 0.096%Above | 497 | |
39 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,403Fees | 0.596%Above | 466 | |
40 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,351Fees | 0.094%Above | 275 | |
41 | Ulster Savings BankBank | Strong | Sound | Sound | Exceptional | Strong | $2,708Fees | 0.157%Above | 249 | |
42 | Genesee Regional BankBank | Strong | Acceptable | — | Exceptional | Exceptional | $1,911Fees | 0.504%Above | 1,480 | |
43 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,893Fees | 0.435%Above | 1,471 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,022Fees | 0.416%Above | 749 | |
45 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,211Fees | 1.106%Above | 261 | |
46 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Sound | Strong | Exceptional | $3,808Fees | 0.272%Above | 1,951 | |
47 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $3,568Fees | 0.446%Above | 906 | |
48 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,744Fees | 0.340%Above | 674 | |
49 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,826Fees | 0.161%Above | 547 | |
50 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,565Fees | 0.631%Above | 282 |
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.