Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Berkshire BankBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $152Credit | 0.224%Below | 247 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,758Credit | 0.215%Below | 314 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $827Fees | 0.244%Below | 250 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $341Fees | 0.531%Below | 113 | |
5 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $82Fees | 0.340%Below | 82 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,571Fees | 0.056%Above | 1,876 | |
7 | Leader Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $876Fees | 0.132%Below | 1,491 | |
8 | Institution for Savings in Newburyport and Its VicinityBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $921Fees | 0.388%Below | 255 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $442Fees | 0.615%Below | 90 | |
10 | MERRIMACK VALLEYCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $526Fees | 0.325%Below | 81 | |
11 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,167Fees | 0.033%Below | 80 | |
12 | HARVARD UNIVERSITY EMPLOYEESCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $414Fees | 0.028%Above | 74 | |
13 | ROCKLAND Federal Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $456Fees | 0.374%Below | 49 | |
14 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $43Credit | 0.116%Below | 302 | |
15 | Cambridge Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $818Fees | 0.272%Below | 270 | |
16 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $982Fees | 0.034%Below | 264 | |
17 | METRO Credit UnionCredit Union | Exceptional | Exceptional | Strong | Sound | Strong | $1,054Fees | 0.146%Below | 80 | |
18 | Needham BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $393Credit | 0.003%Above | 50 | |
19 | The Bank of CantonBank | Exceptional | Exceptional | Strong | Sound | Strong | $2Fees | 0.040%Above | 44 | |
20 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,767Fees | 0.143%Above | 1,004 | |
21 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524Fees | 0.328%Above | 853 | |
22 | SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,818Fees | 0.042%Above | 665 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,287Fees | 0.152%Above | 614 | |
24 | Eastern BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,358Fees | 0.151%Below | 161 | |
25 | JEANNE D'ARC Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,063Fees | 0.138%Below | 144 | |
26 | DIGITALCredit Union | Exceptional | Exceptional | Strong | Acceptable | Strong | $556Fees | 0.032%Below | 129 | |
27 | Easthampton Savings BankBank | Exceptional | Strong | Strong | Strong | Strong | $688Fees | 0.087%Below | 87 | |
28 | Enterprise Bank and Trust CompanyBank | Exceptional | Strong | Strong | Strong | Strong | $1,246Fees | 0.217%Below | 51 | |
29 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,230Fees | 0.211%Below | 42 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,543Fees | 0.311%Above | 334 | |
31 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,975Fees | 0.130%Below | 305 | |
32 | Rockland Trust CompanyBank | Strong | Strong | Strong | Sound | Strong | $1,335Fees | 0.213%Below | 199 | |
33 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $839Fees | 0.006%Below | 186 | |
34 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $610Fees | 0.107%Above | 173 | |
35 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,796Fees | 0.026%Above | 109 | |
36 | Charles Schwab Bank, SSBBank | Strong | Sound | Exceptional | Exceptional | Sound | $464Fees | 0.326%Below | 43 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,434Fees | 0.293%Above | 1,399 | |
38 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,327Fees | 0.108%Above | 212 | |
39 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $1,079Fees | 0.158%Above | 126 | |
40 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,442Fees | 0.192%Above | 447 | |
41 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,460Fees | 0.193%Above | 425 | |
42 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $1,540Fees | 0.036%Below | 162 | |
43 | RADIUS FINANCIAL GROUP INC.Independent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,746Fees | 0.406%Above | 92 | |
44 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,642Fees | 0.343%Above | 178 | |
45 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,858Fees | 0.438%Above | 224 | |
46 | WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,428Fees | 0.086%Above | 156 | |
47 | General Mortgage Capital CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $1,424Fees | 0.156%Above | 67 | |
48 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $1,891Fees | 0.227%Above | 66 | |
49 | T2 FINANCIAL LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $620Fees | 0.266%Above | 72 |
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.