Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $976Fees | 0.078%Below | 622 | |
2 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,255Fees | 0.254%Above | 2,271 | |
3 | Tompkins Community BankBank | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,088Fees | 0.027%Above | 44 | |
4 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $932Fees | 0.090%Above | 142 | |
5 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Sound | $1,540Fees | 0.207%Above | 51 | |
6 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $102Fees | 0.323%Below | 39 | |
7 | The Lyons National BankBank | Exceptional | Strong | Strong | Strong | Strong | $794Fees | 0.276%Above | 252 | |
8 | Five Star BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,291Fees | 0.163%Above | 102 | |
9 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $912Fees | 0.403%Below | 56 | |
10 | Genesee Regional BankBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,820Fees | 0.508%Above | 1,118 | |
11 | RELIANT COMMUNITY FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | Strong | $691Fees | 0.316%Above | 175 | |
12 | Community Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $185Fees | 0.726%Above | 169 | |
13 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $696Fees | 0.250%Above | 141 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,489Fees | 0.463%Above | 108 | |
15 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,315Fees | 0.232%Above | 80 | |
16 | THE SUMMIT Federal Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $455Fees | 0.036%Below | 79 | |
17 | FAMILY FIRST OF NYCredit Union | Strong | Exceptional | Acceptable | Sound | Strong | $1,159Fees | 0.014%Below | 76 | |
18 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,774Fees | 0.188%Above | 31 | |
19 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,843Fees | 0.672%Above | 702 | |
20 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,115Fees | 0.427%Above | 596 | |
21 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,072Fees | 0.175%Above | 258 | |
22 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,061Fees | 0.559%Above | 149 | |
23 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,834Fees | 0.324%Above | 56 | |
24 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,592Fees | 0.580%Above | 34 | |
25 | Pittsford Federal Credit UnionCredit Union | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,635Fees | 0.278%Below | 30 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,799Fees | 0.560%Above | 479 | |
27 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,453Fees | 0.439%Above | 223 | |
28 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,357Fees | 0.596%Above | 167 | |
29 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,808Fees | 0.750%Above | 97 | |
30 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,383Fees | 0.607%Above | 31 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,496Fees | 0.660%Above | 79 | |
32 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,767Fees | 0.495%Above | 78 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,102Fees | 0.642%Above | 52 | |
34 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,052Fees | 0.640%Above | 171 | |
35 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,460Fees | 0.689%Above | 54 | |
36 | Farm Credit East, ACAIndependent Mortgage Company | Strong | Sound | Sound | Sound | Sound | $2,106Fees | 0.105%Below | 21 | |
37 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,726Fees | 1.230%Above | 38 | |
38 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Acceptable | Sound | $3,434Fees | 0.353%Above | 35 |
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.