Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | $876Fees | 0.132%Below | 1,491 | |
2 | Cambridge Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $818Fees | 0.272%Below | 270 | |
3 | Berkshire BankBank | Exceptional | Exceptional | Strong | Exceptional | $152Credit | 0.224%Below | 247 | |
4 | Institution for Savings in Newburyport and Its VicinityBank | Exceptional | Exceptional | Sound | Exceptional | $921Fees | 0.388%Below | 255 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $341Fees | 0.531%Below | 113 | |
6 | Fall River Five Cents Savings BankBank | Exceptional | Exceptional | Strong | Strong | $2,466Fees | 0.013%Below | 92 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $442Fees | 0.615%Below | 90 | |
8 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $82Fees | 0.340%Below | 82 | |
9 | MERRIMACK VALLEYCredit Union | Exceptional | Exceptional | Sound | Strong | $526Fees | 0.325%Below | 81 | |
10 | METRO Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $1,054Fees | 0.146%Below | 80 | |
11 | HARVARD UNIVERSITY EMPLOYEESCredit Union | Exceptional | Exceptional | Sound | Strong | $414Fees | 0.028%Above | 74 | |
12 | Needham BankBank | Exceptional | Exceptional | Sound | Strong | $393Credit | 0.003%Above | 50 | |
13 | ROCKLAND Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $456Fees | 0.374%Below | 49 | |
14 | The Bank of CantonBank | Exceptional | Exceptional | Sound | Strong | $2Fees | 0.040%Above | 44 | |
15 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,524Fees | 0.328%Above | 853 | |
16 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $1,758Credit | 0.215%Below | 314 | |
17 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $43Credit | 0.116%Below | 302 | |
18 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $982Fees | 0.034%Below | 264 | |
19 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $827Fees | 0.244%Below | 250 | |
20 | JEANNE D'ARC Credit UnionCredit Union | Strong | Strong | Strong | Strong | $1,063Fees | 0.138%Below | 144 | |
21 | DIGITALCredit Union | Strong | Exceptional | Acceptable | Strong | $556Fees | 0.032%Below | 129 | |
22 | Easthampton Savings BankBank | Strong | Strong | Strong | Strong | $688Fees | 0.087%Below | 87 | |
23 | MASS. INSTITUTE OF TECH. FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Acceptable | Strong | $1,008Fees | 0.040%Below | 59 | |
24 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $322Fees | 0.183%Below | 58 | |
25 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,571Fees | 0.056%Above | 1,876 | |
26 | Rockland Trust CompanyBank | Strong | Strong | Sound | Strong | $1,335Fees | 0.213%Below | 199 | |
27 | Eastern BankBank | Strong | Strong | Sound | Strong | $1,358Fees | 0.151%Below | 161 | |
28 | Colorado Federal Savings BankBank | Strong | Strong | Sound | Strong | $727Fees | 0.026%Below | 63 | |
29 | First-Citizens Bank & Trust CompanyBank | Strong | Strong | Strong | Sound | $1,230Fees | 0.211%Below | 42 | |
30 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,767Fees | 0.143%Above | 1,004 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,287Fees | 0.152%Above | 614 | |
32 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,975Fees | 0.130%Below | 305 | |
33 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,909Fees | 0.285%Above | 182 | |
34 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,540Fees | 0.036%Below | 162 | |
35 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,577Fees | 0.110%Above | 133 | |
36 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,079Fees | 0.158%Above | 126 | |
37 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,796Fees | 0.026%Above | 109 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,656Fees | 0.015%Above | 90 | |
39 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $2,167Fees | 0.033%Below | 80 | |
40 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,424Fees | 0.156%Above | 67 | |
41 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | $1,568Fees | 0.166%Above | 58 | |
42 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $818Fees | 0.280%Above | 54 | |
43 | MLD MORTGAGE INC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $5Fees | 0.012%Below | 51 | |
44 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,827Fees | 0.163%Above | 49 | |
45 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,434Fees | 0.293%Above | 1,399 | |
46 | SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $1,818Fees | 0.042%Above | 665 | |
47 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,442Fees | 0.192%Above | 447 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,460Fees | 0.193%Above | 425 | |
49 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,543Fees | 0.311%Above | 334 | |
50 | REPUBLIC STATE MORTGAGE CO.Independent Mortgage Company | Strong | Sound | Strong | Sound | $3,696Fees | 0.346%Above | 45 |
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.