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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $944 | -0.143% | 1,166 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $985 | -0.369% | 226 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Strong | -$168 | -0.209% | 143 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,335 | +0.009% | 119 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $295 | -0.513% | 106 | |
6 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | $13 | -0.383% | 37 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $117 | -0.154% | 306 | |
8 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Strong | -$105 | +0.037% | 159 | |
9 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $183 | -0.132% | 104 | |
10 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $338 | +0.024% | 87 | |
11 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$174 | +0.027% | 86 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $391 | -0.668% | 79 | |
13 | Bluestone Bank | Exceptional | Exceptional | Sound | Strong | $994 | -0.201% | 65 | |
14 | HARVARD UNIVERSITY EMPLOYEES | Exceptional | Exceptional | Sound | Strong | $189 | +0.012% | 59 | |
15 | METRO Credit Union | Exceptional | Exceptional | Sound | Strong | $1,023 | -0.074% | 36 | |
16 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Strong | $409 | -0.355% | 35 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,754 | +0.202% | 787 | |
18 | Rockland Trust Company | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
19 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,086 | -0.106% | 244 | |
20 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,165 | -0.240% | 222 | |
21 | Eastern Bank | Strong | Strong | Sound | Exceptional | $1,359 | -0.238% | 190 | |
22 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$395 | -0.148% | 173 | |
23 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
24 | Dedham Institution for Savings | Strong | Strong | Strong | Strong | $621 | -0.198% | 103 | |
25 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | $640 | +0.000% | 69 | |
26 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $677 | -0.426% | 65 | |
27 | NBKC BANK | Strong | Exceptional | Sound | Sound | $84 | -0.221% | 38 | |
28 | JEANNE D'ARC Credit Union | Strong | Strong | Strong | Strong | $1,623 | -0.296% | 37 | |
29 | Institution for Savings in Newburyport and Its Vicinity | Strong | Exceptional | Sound | Sound | $1,433 | -0.468% | 37 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
31 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,389 | -0.077% | 78 | |
32 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Sound | $219 | -0.529% | 48 | |
33 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,352 | +0.194% | 505 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,462 | +0.147% | 464 | |
36 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,488 | +0.215% | 455 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,309 | +0.351% | 393 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,841 | -0.086% | 273 | |
39 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,945 | +0.063% | 188 | |
40 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $1,965 | -0.005% | 124 | |
41 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $2,735 | -0.023% | 115 | |
42 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,403 | +0.050% | 115 | |
43 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,985 | +0.225% | 74 | |
44 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,306 | +0.152% | 53 | |
45 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Sound | $1,567 | +0.197% | 45 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,085 | +0.274% | 776 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,690 | +0.339% | 356 | |
48 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Exceptional | $3,037 | +0.495% | 253 | |
49 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Exceptional | $1,975 | +0.024% | 229 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,167 | +0.428% | 79 |
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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