Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$465 | -0.287% | 2,140 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,521 | -0.254% | 1,942 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,248 | -0.322% | 816 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$18 | -0.209% | 803 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $347 | -0.553% | 484 | |
6 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Strong | $497 | -0.243% | 363 | |
7 | United Nations Federal Credit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $209 | -0.585% | 272 | |
8 | UBS Bank USA | Exceptional | Exceptional | Exceptional | Strong | Strong | $991 | -0.091% | 110 | |
9 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $702 | -0.185% | 1,365 | |
10 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,562 | +0.094% | 1,039 | |
11 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $678 | -0.638% | 151 | |
12 | NJ LENDERS CORP. | Exceptional | Strong | Strong | Strong | Exceptional | $1,814 | -0.023% | 875 | |
13 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,503 | -0.116% | 425 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,163 | +0.107% | 4,529 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,685 | +0.206% | 4,302 | |
16 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,384 | +0.206% | 2,884 | |
17 | TD Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $945 | +0.023% | 988 | |
18 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,907 | +0.181% | 741 | |
19 | Valley National Bank | Exceptional | Strong | Strong | Strong | Strong | $1,066 | -0.539% | 268 | |
20 | Municipal Credit Union | Exceptional | Strong | Strong | Strong | Strong | $460 | -0.263% | 176 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $1,456 | +0.066% | 1,559 | |
22 | Webster Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,441 | -0.157% | 227 | |
23 | Ridgewood Savings Bank | Strong | Strong | Strong | Sound | Strong | $1,884 | -0.199% | 123 | |
24 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,623 | -0.032% | 119 | |
25 | Dime Community Bank | Strong | Strong | Strong | Sound | Strong | $1,458 | -0.417% | 118 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,640 | +0.203% | 2,895 | |
27 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,619 | +0.134% | 372 | |
28 | Bethpage Federal Credit Union | Strong | Sound | Exceptional | Sound | Strong | $1,386 | -0.275% | 197 | |
29 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Sound | Exceptional | Sound | Strong | $3,162 | +0.582% | 188 | |
30 | NP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,888 | +1.201% | 160 | |
31 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,539 | +0.401% | 133 | |
32 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,865 | +0.377% | 630 | |
33 | FM Home Loans, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $2,551 | +0.308% | 384 | |
34 | CLIFFCO, INC. | Strong | Acceptable | Strong | Sound | Strong | $3,065 | +0.335% | 236 | |
35 | GuardHill Financial Corp. | Strong | Acceptable | Strong | Sound | Strong | $2,672 | +0.122% | 162 | |
36 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $3,932 | +0.367% | 364 | |
37 | A&D Mortgage LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,576 | +0.364% | 193 | |
38 | ARC HOME LLC | Sound | Mediocre | Exceptional | Sound | Strong | $4,102 | +0.743% | 123 | |
39 | PLAZA HOME MORTGAGE, INC. | Sound | Mediocre | Strong | Sound | Strong | $3,638 | +0.360% | 427 | |
40 | EAST COAST CAPITAL CORP. | Sound | Mediocre | Strong | Sound | Strong | $4,886 | +0.469% | 233 | |
41 | Quontic Bank | Sound | Mediocre | Strong | Sound | Strong | $6,401 | +1.042% | 218 | |
42 | HOMEBRIDGE FINANCIAL SERVICES, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,943 | +0.582% | 182 | |
43 | MEADOWBROOK FINANCIAL MORTGAGE BANKERS CORP. | Sound | Mediocre | Sound | Mediocre | Exceptional | $5,780 | +0.541% | 393 | |
44 | Bank of Hope | Sound | Mediocre | Sound | Mediocre | Strong | $1,636 | +0.552% | 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.
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