Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $636 | -0.086% | 168 | |
2 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $743 | +0.263% | 573 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Sound | $907 | +0.031% | 25 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,942 | -0.187% | 17 | |
5 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $144 | -0.401% | 15 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,169 | -0.229% | 49 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $232 | -0.054% | 30 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $289 | -0.558% | 28 | |
9 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $590 | -0.280% | 11 | |
10 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,236 | -0.047% | 58 | |
11 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,954 | +0.123% | 43 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,181 | -0.141% | 20 | |
13 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | Sound | $1,179 | +0.083% | 14 | |
14 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | Sound | $697 | +0.146% | 13 | |
15 | Berkshire Bank | Strong | Exceptional | Sound | Sound | Sound | $307 | +0.027% | 12 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,254 | +0.236% | 170 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,560 | +0.357% | 89 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,471 | +0.356% | 42 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,493 | +0.090% | 34 | |
20 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,869 | +0.353% | 23 | |
21 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Sound | $1,709 | +0.373% | 17 | |
22 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,544 | +0.070% | 15 | |
23 | Bethpage Federal Credit Union | Strong | Strong | Strong | Sound | Sound | $810 | -0.253% | 12 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,000 | +0.531% | 113 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,139 | +0.512% | 80 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,137 | +0.302% | 71 | |
27 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,009 | +0.281% | 56 | |
28 | Eastern Bank | Strong | Strong | Sound | Sound | Sound | $1,261 | -0.141% | 19 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,975 | -0.138% | 18 | |
30 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,679 | +0.445% | 15 | |
31 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Sound | $1,395 | +0.308% | 12 | |
32 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $796 | -0.335% | 11 | |
33 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,796 | +0.378% | 53 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,644 | +0.391% | 36 | |
35 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,315 | +0.244% | 32 | |
36 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $3,136 | +0.234% | 28 | |
37 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $2,493 | +0.301% | 26 | |
38 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $2,941 | +0.084% | 20 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,151 | +0.165% | 19 | |
40 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,636 | +0.443% | 13 | |
41 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $634 | +0.333% | 13 | |
42 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,849 | +0.494% | 12 | |
43 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Sound | $1,992 | +0.306% | 36 | |
44 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,049 | +0.353% | 33 | |
45 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Sound | $1,597 | -0.146% | 26 | |
46 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,178 | +0.128% | 21 | |
47 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,644 | +0.324% | 13 | |
48 | EMBRACE HOME LOANS, INC. | Sound | Acceptable | Strong | Sound | Sound | $2,663 | +0.407% | 11 | |
49 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,418 | +0.531% | 10 | |
50 | OCMBC, INC. | Sound | Mediocre | Strong | Sound | Sound | $5,580 | +1.206% | 20 |
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.
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