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 | Sound | Exceptional | $465Credit | 0.287%Below | 2,140 | |
2 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,814Fees | 0.023%Below | 875 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,248Fees | 0.322%Below | 816 | |
4 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $18Credit | 0.209%Below | 803 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $678Fees | 0.638%Below | 151 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,521Fees | 0.254%Below | 1,942 | |
7 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $702Fees | 0.185%Below | 1,365 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $347Fees | 0.553%Below | 484 | |
9 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,066Fees | 0.539%Below | 268 | |
10 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,623Fees | 0.032%Below | 119 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,163Fees | 0.107%Above | 4,529 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,456Fees | 0.066%Above | 1,559 | |
13 | Kearny BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $1,073Fees | 0.235%Below | 121 | |
14 | AMERICAN FEDERAL MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Exceptional | Strong | Acceptable | Strong | $272Credit | 0.292%Below | 118 | |
15 | Columbia BankBank | Exceptional | Exceptional | Sound | Sound | Strong | $383Fees | 0.920%Below | 115 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,685Fees | 0.206%Above | 4,302 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,384Fees | 0.206%Above | 2,884 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,907Fees | 0.181%Above | 741 | |
19 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,638Fees | 0.360%Above | 427 | |
20 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,503Fees | 0.116%Below | 425 | |
21 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Strong | Strong | Strong | Sound | Strong | $497Fees | 0.243%Below | 363 | |
22 | United Nations Federal Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $209Fees | 0.585%Below | 272 | |
23 | Bethpage Federal Credit UnionCredit Union | Strong | Strong | Strong | Sound | Strong | $1,386Fees | 0.275%Below | 197 | |
24 | Municipal Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $460Fees | 0.263%Below | 176 | |
25 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.203%Above | 2,895 | |
26 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,562Fees | 0.094%Above | 1,039 | |
27 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $945Fees | 0.023%Above | 988 | |
28 | CONTOUR MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,692Fees | 0.307%Above | 488 | |
29 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,930Fees | 0.153%Above | 164 | |
30 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,576Fees | 0.205%Above | 554 | |
31 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,398Fees | 0.102%Above | 497 | |
32 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,932Fees | 0.367%Above | 364 | |
33 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,298Fees | 0.385%Above | 327 | |
34 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,720Fees | 0.511%Above | 296 | |
35 | SUMMIT MORTGAGE BANKERS INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | Strong | $3,796Fees | 0.087%Above | 248 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,036Fees | 0.328%Above | 245 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,709Fees | 0.047%Above | 223 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,162Fees | 0.582%Above | 188 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,072Fees | 0.196%Above | 144 | |
40 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,539Fees | 0.401%Above | 133 | |
41 | UBS Bank USABank | Strong | Strong | Sound | Acceptable | Strong | $991Fees | 0.091%Below | 110 | |
42 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,865Fees | 0.377%Above | 630 | |
43 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $2,551Fees | 0.308%Above | 384 | |
44 | UNITED NORTHERN MORTGAGE BANKERS LIMITEDIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,858Fees | 0.295%Above | 378 | |
45 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,619Fees | 0.134%Above | 372 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,221Fees | 0.471%Above | 204 | |
47 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,144Fees | 0.401%Above | 376 | |
48 | ABSOLUTE HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $4,036Fees | 0.421%Above | 244 | |
49 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,065Fees | 0.335%Above | 236 | |
50 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | 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.