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 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$318 | -0.303% | 200 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$515 | -0.209% | 92 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$436 | -0.385% | 63 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $220 | -0.544% | 44 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$1,390 | -0.318% | 32 | |
6 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $1,601 | +0.119% | 62 | |
7 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$756 | -0.064% | 51 | |
8 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,366 | +0.044% | 137 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.064% | 136 | |
10 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $579 | -0.364% | 43 | |
11 | REDWOOD | Exceptional | Strong | Strong | Strong | Strong | $230 | -0.055% | 38 | |
12 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Sound | $242 | -0.156% | 13 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,987 | -0.059% | 60 | |
14 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$235 | -0.027% | 32 | |
15 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,931 | +0.379% | 97 | |
16 | OriginPoint, LLC | Strong | Sound | Exceptional | Sound | Strong | $3,121 | +0.307% | 41 | |
17 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,552 | +0.110% | 40 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Sound | -$107 | +0.163% | 21 | |
19 | MASON MCDUFFIE MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $3,105 | +0.386% | 36 | |
20 | AMERICAN PACIFIC MORTGAGE CORPORATION | Sound | Mediocre | Exceptional | Sound | Strong | $3,975 | +0.262% | 66 | |
21 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Sound | Strong | $4,711 | +0.512% | 39 |
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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