Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $0Fees | 0.198%Above | 710 | |
2 | SEFCU SERVICES, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $1,145Fees | 0.211%Below | 316 | |
3 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,585Fees | 0.306%Above | 191 | |
4 | NBT Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | Strong | $1,013Fees | 0.254%Below | 121 | |
5 | PREMIUM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,337Fees | 0.173%Above | 71 | |
6 | Tompkins Community BankBank | Exceptional | Exceptional | Strong | Exceptional | Sound | $933Fees | 0.014%Above | 35 | |
7 | CFCU COMMUNITY Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Sound | $0Fees | 0.732%Below | 17 | |
8 | HOME TOWN FUNDING, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Exceptional | Sound | $1,403Fees | 0.014%Above | 13 | |
9 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,363Fees | 0.081%Above | 241 | |
10 | Geddes Federal Savings and Loan AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,580Fees | 0.210%Below | 197 | |
11 | Solvay BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $942Fees | 0.107%Below | 130 | |
12 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,160Fees | 0.044%Above | 120 | |
13 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $533Fees | 0.495%Below | 57 | |
14 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,633Fees | 0.059%Below | 30 | |
15 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,690Fees | 0.647%Above | 500 | |
16 | Community Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $313Fees | 0.812%Above | 174 | |
17 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,169Fees | 0.245%Above | 134 | |
18 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,831Fees | 0.401%Above | 97 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,655Fees | 0.381%Above | 77 | |
20 | SECNY Federal Credit UnionCredit Union | Strong | Exceptional | Acceptable | Sound | Strong | $558Credit | 0.098%Below | 37 | |
21 | The Lyons National BankBank | Strong | Strong | Strong | Strong | Sound | $1,402Fees | 0.324%Above | 36 | |
22 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,385Fees | 0.005%Above | 27 | |
23 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,265Fees | 0.361%Above | 24 | |
24 | Genesee Regional BankBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,298Fees | 0.465%Above | 171 | |
25 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,359Fees | 0.260%Above | 67 | |
26 | 1ST PRIORITY MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,935Fees | 0.214%Above | 62 | |
27 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,327Fees | 0.671%Above | 34 | |
28 | NORTHERN CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | Sound | $1,644Fees | 0.205%Above | 28 | |
29 | Colorado Federal Savings BankBank | Strong | Strong | Strong | Sound | Sound | $1,075Fees | 0.306%Above | 14 | |
30 | THE SUMMIT Federal Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Sound | $663Fees | 0.128%Below | 13 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,637Fees | 0.509%Above | 277 | |
32 | HUNT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $3,865Fees | 0.476%Above | 211 | |
33 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,675Fees | 0.486%Above | 108 | |
34 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,211Fees | 0.579%Above | 78 | |
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,072Fees | 0.517%Above | 21 | |
36 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,548Fees | 0.795%Above | 50 | |
37 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,667Fees | 0.558%Above | 23 | |
38 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $229Credit | 0.436%Above | 14 | |
39 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,871Fees | 0.339%Above | 249 | |
40 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $2,078Fees | 0.078%Above | 34 | |
41 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,180Fees | 0.628%Above | 23 | |
42 | Farm Credit East, ACAIndependent Mortgage Company | Strong | Sound | Sound | Sound | Sound | $2,437Fees | 0.026%Below | 19 | |
43 | PARAGON HOME LOANS INC.Independent Mortgage Company | Sound | Acceptable | Acceptable | Sound | Strong | $3,251Fees | 0.461%Above | 29 | |
44 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | 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.