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 | Strong | $1,801Fees | 0.019%Below | 90 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,057Fees | 0.242%Below | 89 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $65Fees | 0.008%Below | 74 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $406Fees | 0.363%Below | 14 | |
5 | United Nations Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | $412Fees | 0.328%Below | 12 | |
6 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,029Fees | 0.051%Above | 39 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,527Fees | 0.130%Above | 34 | |
8 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Acceptable | $285Fees | 0.468%Below | 10 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,439Fees | 0.225%Above | 312 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,729Fees | 0.228%Above | 199 | |
11 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,408Fees | 0.147%Above | 105 | |
12 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $120Fees | 0.115%Below | 22 | |
13 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $710Fees | 0.068%Above | 51 | |
14 | DIGITALCredit Union | Strong | Exceptional | Strong | Acceptable | Sound | $933Credit | 0.197%Below | 11 | |
15 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $2,353Fees | 0.339%Above | 11 | |
16 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,313Fees | 0.292%Above | 71 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,386Fees | 0.251%Above | 68 |
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.