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 | $465Credit | 0.287%Below | 2,140 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,521Fees | 0.254%Below | 1,942 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,248Fees | 0.322%Below | 816 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $18Credit | 0.209%Below | 803 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $347Fees | 0.553%Below | 484 | |
6 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $497Fees | 0.243%Below | 363 | |
7 | United Nations Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $209Fees | 0.585%Below | 272 | |
8 | UBS Bank USABank | Exceptional | Exceptional | Exceptional | Strong | Strong | $991Fees | 0.091%Below | 110 | |
9 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $702Fees | 0.185%Below | 1,365 | |
10 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,562Fees | 0.094%Above | 1,039 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $678Fees | 0.638%Below | 151 | |
12 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Exceptional | $1,814Fees | 0.023%Below | 875 | |
13 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,503Fees | 0.116%Below | 425 | |
14 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,163Fees | 0.107%Above | 4,529 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,685Fees | 0.206%Above | 4,302 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,384Fees | 0.206%Above | 2,884 | |
17 | TD Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $945Fees | 0.023%Above | 988 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,907Fees | 0.181%Above | 741 | |
19 | Valley National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,066Fees | 0.539%Below | 268 | |
20 | Municipal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $460Fees | 0.263%Below | 176 | |
21 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,456Fees | 0.066%Above | 1,559 | |
22 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,441Fees | 0.157%Below | 227 | |
23 | Ridgewood Savings BankBank | Strong | Strong | Strong | Sound | Strong | $1,884Fees | 0.199%Below | 123 | |
24 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,623Fees | 0.032%Below | 119 | |
25 | Dime Community BankBank | Strong | Strong | Strong | Sound | Strong | $1,458Fees | 0.417%Below | 118 | |
26 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640Fees | 0.203%Above | 2,895 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,619Fees | 0.134%Above | 372 | |
28 | Bethpage Federal Credit UnionCredit Union | Strong | Sound | Exceptional | Sound | Strong | $1,386Fees | 0.275%Below | 197 | |
29 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $3,162Fees | 0.582%Above | 188 | |
30 | NP, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,888Fees | 1.201%Above | 160 | |
31 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,539Fees | 0.401%Above | 133 | |
32 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,865Fees | 0.377%Above | 630 | |
33 | FM Home Loans, LLCIndependent Mortgage Company | Strong | Mediocre | Strong | Strong | Exceptional | $2,551Fees | 0.308%Above | 384 | |
34 | CLIFFCO, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,065Fees | 0.335%Above | 236 | |
35 | GuardHill Financial Corp.Independent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,672Fees | 0.122%Above | 162 | |
36 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $3,932Fees | 0.367%Above | 364 | |
37 | A&D Mortgage LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,576Fees | 0.364%Above | 193 | |
38 | ARC HOME LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $4,102Fees | 0.743%Above | 123 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $3,638Fees | 0.360%Above | 427 | |
40 | EAST COAST CAPITAL CORP.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,886Fees | 0.469%Above | 233 | |
41 | Quontic BankBank | Sound | Mediocre | Strong | Sound | Strong | $6,401Fees | 1.042%Above | 218 | |
42 | HOMEBRIDGE FINANCIAL SERVICES, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Strong | $4,943Fees | 0.582%Above | 182 | |
43 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP.Independent Mortgage Company | Sound | Mediocre | Sound | Mediocre | Exceptional | $5,780Fees | 0.541%Above | 393 | |
44 | Bank of HopeBank | Sound | Mediocre | Sound | Mediocre | Strong | $1,636Fees | 0.552%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.