Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bangor Savings BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,234Fees | 0.139%Below | 224 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $268Fees | 0.142%Below | 13 | |
3 | The Camden National BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,113Fees | 0.034%Below | 49 | |
4 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,919Fees | 0.396%Above | 21 | |
5 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,859Fees | 0.522%Above | 145 | |
6 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,376Fees | 0.234%Above | 131 | |
7 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,474Fees | 0.610%Above | 108 | |
8 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $4,695Fees | 0.207%Above | 24 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,336Fees | 0.210%Above | 84 | |
10 | CUSO MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,392Fees | 0.239%Above | 62 | |
11 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,364Fees | 0.505%Above | 55 | |
12 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,725Fees | 0.364%Above | 37 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,004Fees | 0.498%Above | 36 | |
14 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,975Fees | 0.213%Below | 11 | |
15 | Maine Savings Federal Credit UnionCredit Union | Strong | Sound | Sound | Sound | Strong | $1,016Fees | 0.495%Above | 28 | |
16 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Sound | $1,466Fees | 0.227%Above | 15 | |
17 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $1,089Fees | 0.460%Above | 14 | |
18 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,460Fees | 0.560%Above | 13 | |
19 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,636Fees | 0.812%Above | 60 | |
20 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,784Fees | 0.484%Above | 26 | |
21 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,902Fees | 0.219%Below | 14 | |
22 | University Credit UnionCredit Union | Sound | Acceptable | Sound | Sound | Strong | $1,484Fees | 0.562%Above | 25 | |
23 | Machias Savings BankBank | Sound | Acceptable | Sound | Sound | Strong | $1,349Fees | 0.486%Above | 24 | |
24 | First National BankBank | Sound | Acceptable | Sound | Sound | Sound | $629Fees | 0.964%Above | 10 | |
25 | NextMortgage, LLCIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Strong | $2,394Fees | 0.709%Above | 34 |
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.