Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $0Fees | 0.198%Above | 710 | |
2 | Solvay BankBank | Exceptional | Exceptional | Strong | Exceptional | $942Fees | 0.107%Below | 130 | |
3 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | $1,145Fees | 0.211%Below | 316 | |
4 | NBT Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $1,013Fees | 0.254%Below | 121 | |
5 | Tompkins Community BankBank | Exceptional | Exceptional | Exceptional | Sound | $933Fees | 0.014%Above | 35 | |
6 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,363Fees | 0.081%Above | 241 | |
7 | Geddes Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Exceptional | $1,580Fees | 0.210%Below | 197 | |
8 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,585Fees | 0.306%Above | 191 | |
9 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $2,337Fees | 0.173%Above | 71 | |
10 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,169Fees | 0.245%Above | 134 | |
11 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,160Fees | 0.044%Above | 120 | |
12 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $533Fees | 0.495%Below | 57 | |
13 | SECNY Federal Credit UnionCredit Union | Strong | Exceptional | Acceptable | Strong | $558Credit | 0.098%Below | 37 | |
14 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,359Fees | 0.260%Above | 67 | |
15 | The Lyons National BankBank | Strong | Strong | Strong | Sound | $1,402Fees | 0.324%Above | 36 | |
16 | Bank of America, National AssociationBank | Strong | Strong | Strong | Sound | $1,633Fees | 0.059%Below | 30 | |
17 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | $1,385Fees | 0.005%Above | 27 | |
18 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,690Fees | 0.647%Above | 500 | |
19 | Community Bank, National AssociationBank | Strong | Sound | Strong | Strong | $313Fees | 0.812%Above | 174 | |
20 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,655Fees | 0.381%Above | 77 | |
21 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,935Fees | 0.214%Above | 62 | |
22 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,265Fees | 0.361%Above | 24 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,637Fees | 0.509%Above | 277 | |
24 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,865Fees | 0.476%Above | 211 | |
25 | Genesee Regional BankBank | Strong | Acceptable | Exceptional | Strong | $2,298Fees | 0.465%Above | 171 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,675Fees | 0.486%Above | 108 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,327Fees | 0.671%Above | 34 | |
28 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,449Fees | 1.071%Above | 24 | |
29 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,072Fees | 0.517%Above | 21 | |
30 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,831Fees | 0.401%Above | 97 | |
31 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,211Fees | 0.579%Above | 78 | |
32 | USAA Federal Savings BankBank | Strong | Sound | Sound | Sound | $2,078Fees | 0.078%Above | 34 | |
33 | NORTHERN CREDIT UNIONCredit Union | Strong | Sound | Sound | Sound | $1,644Fees | 0.205%Above | 28 | |
34 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $1,667Fees | 0.558%Above | 23 | |
35 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | $2,871Fees | 0.339%Above | 249 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $6,666Fees | 1.142%Above | 62 | |
37 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $3,548Fees | 0.795%Above | 50 | |
38 | PARAGON HOME LOANS INC.Independent Mortgage Company | Sound | Acceptable | Sound | Strong | $3,251Fees | 0.461%Above | 29 | |
39 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $2,180Fees | 0.628%Above | 23 | |
40 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $3,797Fees | 0.895%Above | 21 |
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.