Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $133Credit | 0.279%Below | 750 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $747Credit | 0.327%Below | 515 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,388Credit | 0.247%Below | 497 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $2,285Credit | 0.306%Below | 383 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATIONBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,231Credit | 0.196%Below | 283 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $345Fees | 0.544%Below | 152 | |
7 | STAR ONE Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $61Fees | 0.559%Below | 44 | |
8 | Provident Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $731Fees | 0.814%Below | 38 | |
9 | Patelco Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Strong | $857Fees | 0.346%Below | 36 | |
10 | BMO Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $931Credit | 0.100%Below | 281 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,463Fees | 0.025%Above | 222 | |
12 | SAN FRANCISCO FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $1,456Fees | 0.701%Below | 45 | |
13 | San Mateo Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $85Credit | 0.555%Below | 42 | |
14 | REDWOODCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $802Fees | 0.354%Above | 186 | |
15 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $51Fees | 0.240%Below | 146 | |
16 | THE GOLDEN 1Credit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,488Credit | 0.156%Below | 47 | |
17 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,408Fees | 0.101%Above | 646 | |
18 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,785Fees | 0.078%Above | 614 | |
19 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,864Fees | 0.015%Below | 545 | |
20 | PNC Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $647Credit | 0.015%Above | 209 | |
21 | Charles Schwab Bank, SSBBank | Exceptional | Sound | Exceptional | Exceptional | Strong | $605Fees | 0.305%Below | 109 | |
22 | AMERIHOME MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $515Fees | 0.079%Above | 77 | |
23 | STANFORD Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $551Fees | 0.354%Below | 67 | |
24 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $695Credit | 0.512%Below | 18 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,399Fees | 0.150%Above | 53 | |
26 | OriginPoint, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,258Fees | 0.134%Above | 98 | |
27 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,308Fees | 0.250%Above | 76 | |
28 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,682Fees | 0.085%Above | 68 | |
29 | Barrington Bank & Trust Company, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $1,998Fees | 0.096%Above | 35 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,738Fees | 0.130%Above | 25 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,678Fees | 0.268%Above | 143 | |
32 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $971Fees | 0.174%Above | 79 | |
33 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $889Fees | 0.073%Above | 146 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $2,315Fees | 0.391%Above | 77 | |
35 | STG MORTGAGE INCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $3,289Fees | 0.276%Above | 18 | |
36 | NEW WAVE LENDING GROUP INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,094Fees | 0.929%Above | 51 | |
37 | Fremont BankBank | Strong | Acceptable | Strong | Strong | Sound | $264Fees | 0.336%Above | 23 | |
38 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,578Fees | 0.381%Above | 70 | |
39 | Commerce Home Mortgage, Inc.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $1,866Fees | 0.308%Above | 58 | |
40 | MASON MCDUFFIE MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,414Fees | 0.233%Above | 34 | |
41 | BAY EQUITY LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $1,692Fees | 0.144%Above | 25 | |
42 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $5,110Fees | 0.579%Above | 47 | |
43 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Sound | $2,264Fees | 0.156%Above | 45 |
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.