Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Exceptional | $465Credit | 0.287%Below | 2,140 | |
2 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $347Fees | 0.553%Below | 484 | |
3 | Valley National BankBank | Exceptional | Exceptional | Strong | Strong | $1,066Fees | 0.539%Below | 268 | |
4 | Kearny BankBank | Exceptional | Exceptional | Strong | Strong | $1,073Fees | 0.235%Below | 121 | |
5 | Citizens Bank, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $702Fees | 0.185%Below | 1,365 | |
6 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Exceptional | $1,814Fees | 0.023%Below | 875 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,248Fees | 0.322%Below | 816 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $18Credit | 0.209%Below | 803 | |
9 | Municipal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $460Fees | 0.263%Below | 176 | |
10 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $678Fees | 0.638%Below | 151 | |
11 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $272Credit | 0.292%Below | 118 | |
12 | Columbia BankBank | Exceptional | Exceptional | Sound | Strong | $383Fees | 0.920%Below | 115 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,685Fees | 0.206%Above | 4,302 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,521Fees | 0.254%Below | 1,942 | |
15 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,503Fees | 0.116%Below | 425 | |
16 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Strong | $497Fees | 0.243%Below | 363 | |
17 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,623Fees | 0.032%Below | 119 | |
18 | BETTER MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Exceptional | Acceptable | Strong | $25Fees | 0.208%Below | 117 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $3,163Fees | 0.107%Above | 4,529 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,456Fees | 0.066%Above | 1,559 | |
21 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,562Fees | 0.094%Above | 1,039 | |
22 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,907Fees | 0.181%Above | 741 | |
23 | United Nations Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $209Fees | 0.585%Below | 272 | |
24 | Bethpage Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $1,386Fees | 0.275%Below | 197 | |
25 | UBS Bank USABank | Strong | Strong | Sound | Strong | $991Fees | 0.091%Below | 110 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,384Fees | 0.206%Above | 2,884 | |
27 | TD Bank, National AssociationBank | Strong | Sound | Sound | Exceptional | $945Fees | 0.023%Above | 988 | |
28 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,144Fees | 0.401%Above | 376 | |
29 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $3,796Fees | 0.087%Above | 248 | |
30 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,930Fees | 0.153%Above | 164 | |
31 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,072Fees | 0.196%Above | 144 | |
32 | Dime Community BankBank | Strong | Strong | Acceptable | Strong | $1,458Fees | 0.417%Below | 118 | |
33 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,640Fees | 0.203%Above | 2,895 | |
34 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,576Fees | 0.205%Above | 554 | |
35 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,398Fees | 0.102%Above | 497 | |
36 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,692Fees | 0.307%Above | 488 | |
37 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,858Fees | 0.295%Above | 378 | |
38 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,298Fees | 0.385%Above | 327 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $4,036Fees | 0.328%Above | 245 | |
40 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,441Fees | 0.157%Below | 227 | |
41 | Ridgewood Savings BankBank | Strong | Sound | Sound | Strong | $1,884Fees | 0.199%Below | 123 | |
42 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,638Fees | 0.360%Above | 427 | |
43 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,619Fees | 0.134%Above | 372 | |
44 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $3,932Fees | 0.367%Above | 364 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,720Fees | 0.511%Above | 296 | |
46 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,065Fees | 0.335%Above | 236 | |
47 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,709Fees | 0.047%Above | 223 | |
48 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,162Fees | 0.582%Above | 188 | |
49 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,539Fees | 0.401%Above | 133 | |
50 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,087Fees | 0.260%Above | 112 |
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.