Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,102Fees | 0.063%Above | 139 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,707Fees | 0.127%Below | 126 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,957Fees | 0.045%Below | 124 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $285Fees | 0.350%Below | 69 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $949Fees | 0.560%Below | 126 | |
6 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $974Fees | 0.132%Above | 107 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,427Fees | 0.127%Above | 100 | |
8 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,067Fees | 0.027%Above | 95 | |
9 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,166Fees | 0.279%Above | 1,261 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,125Fees | 0.237%Above | 842 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,775Fees | 0.170%Above | 281 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,680Fees | 0.148%Above | 281 | |
13 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Sound | $872Fees | 0.078%Below | 41 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $3,059Fees | 0.236%Above | 181 | |
15 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,341Fees | 0.428%Above | 165 | |
16 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,835Fees | 0.199%Above | 163 | |
17 | NEAL COMMUNITIES FUNDING, LLCIndependent Mortgage Company | Strong | Sound | — | Strong | Exceptional | $123Fees | 0.454%Above | 406 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,595Fees | 0.435%Above | 265 | |
19 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,848Fees | 0.354%Above | 131 | |
20 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,535Fees | 0.090%Above | 41 | |
21 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $4,479Fees | 0.629%Above | 98 |
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.