Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Watertown Savings BankBank | Exceptional | Exceptional | Sound | Exceptional | Exceptional | $103Fees | 0.103%Below | 91 | |
2 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,140Fees | 0.049%Below | 78 | |
3 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $750Fees | 0.098%Above | 59 | |
4 | NORTHERN CREDIT UNIONCredit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,513Fees | 0.046%Above | 61 | |
5 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,292Fees | 0.083%Above | 21 | |
6 | Community Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $325Fees | 0.654%Above | 48 | |
7 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,082Fees | 0.310%Above | 195 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,229Fees | 0.610%Above | 58 | |
9 | Genesee Regional BankBank | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,747Fees | 0.574%Above | 37 |
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.