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 | Exceptional | $944 | -0.143% | 1,166 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $985 | -0.369% | 226 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,335 | +0.009% | 119 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $391 | -0.668% | 79 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,165 | -0.240% | 222 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$395 | -0.148% | 173 | |
7 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Strong | -$105 | +0.037% | 159 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $295 | -0.513% | 106 | |
9 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $677 | -0.426% | 65 | |
10 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
11 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $117 | -0.154% | 306 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,086 | -0.106% | 244 | |
13 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Strong | -$168 | -0.209% | 143 | |
14 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
15 | Dedham Institution for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $621 | -0.198% | 103 | |
16 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $338 | +0.024% | 87 | |
17 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,389 | -0.077% | 78 | |
18 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $640 | +0.000% | 69 | |
19 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $84 | -0.221% | 38 | |
20 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $13 | -0.383% | 37 | |
21 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Sound | Strong | $409 | -0.355% | 35 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,111 | +0.215% | 950 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,754 | +0.202% | 787 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,309 | +0.351% | 393 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,841 | -0.086% | 273 | |
26 | Eastern Bank | Strong | Strong | Sound | Sound | Exceptional | $1,359 | -0.238% | 190 | |
27 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,945 | +0.063% | 188 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,426 | -0.119% | 70 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,591 | +0.101% | 1,081 | |
30 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,085 | +0.274% | 776 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.194% | 505 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,462 | +0.147% | 464 | |
33 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,488 | +0.215% | 455 | |
34 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,403 | +0.050% | 115 | |
35 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,553 | +0.022% | 60 | |
36 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $715 | -0.040% | 43 | |
37 | JEANNE D'ARC Credit Union | Strong | Strong | Sound | Sound | Strong | $1,623 | -0.296% | 37 | |
38 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,690 | +0.339% | 356 | |
39 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,037 | +0.495% | 253 | |
40 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,975 | +0.024% | 229 | |
41 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,614 | +0.436% | 185 | |
42 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $584 | +0.069% | 128 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,965 | -0.005% | 124 | |
44 | Merchants Bank of Indiana | Strong | Sound | Strong | Sound | Strong | $2,735 | -0.023% | 115 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,538 | +0.298% | 104 | |
46 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,582 | +0.674% | 100 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,167 | +0.428% | 79 | |
48 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,985 | +0.225% | 74 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $609 | +0.261% | 71 | |
50 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,306 | +0.152% | 53 |
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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