Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Liberty BankBank | Exceptional | Exceptional | Strong | Exceptional | $18Credit | 0.152%Below | 682 | |
2 | Chelsea Groton BankBank | Exceptional | Exceptional | Strong | Exceptional | $322Fees | 0.019%Below | 238 | |
3 | Thomaston Savings BankBank | Exceptional | Exceptional | Strong | Exceptional | $1,059Fees | 0.034%Above | 230 | |
4 | MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $725Fees | 0.304%Below | 286 | |
5 | SIKORSKY FINANCIAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $922Fees | 0.555%Below | 234 | |
6 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $369Fees | 0.469%Below | 139 | |
7 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $1,677Fees | 0.072%Below | 120 | |
8 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $721Credit | 0.123%Below | 817 | |
9 | Newtown Savings BankBank | Exceptional | Strong | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
10 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,460Fees | 0.141%Above | 358 | |
11 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $516Fees | 0.460%Below | 324 | |
12 | Charter Oak Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $344Credit | 0.188%Below | 175 | |
13 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $680Fees | 0.231%Below | 158 | |
14 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $1,809Fees | 0.034%Above | 142 | |
15 | The Torrington Savings BankBank | Exceptional | Exceptional | Sound | Strong | $271Fees | 0.219%Below | 129 | |
16 | Northwest Community BankBank | Exceptional | Exceptional | Sound | Strong | $618Fees | 0.142%Below | 98 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,094Fees | 0.315%Above | 2,211 | |
18 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,566Fees | 0.287%Above | 1,179 | |
19 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,480Fees | 0.242%Below | 461 | |
20 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
21 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,317Fees | 0.021%Above | 365 | |
22 | Union Savings BankBank | Strong | Strong | Strong | Strong | $1,008Fees | 0.262%Below | 209 | |
23 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,403Fees | 0.016%Below | 115 | |
24 | First Federal BankBank | Strong | Exceptional | Sound | Sound | $1,483Fees | 0.364%Above | 75 | |
25 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $895Fees | 0.151%Below | 74 | |
26 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,456Fees | 0.139%Above | 736 | |
27 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,342Fees | 0.184%Above | 481 | |
28 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,214Fees | 0.027%Above | 306 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,804Fees | 0.401%Above | 164 | |
30 | AMERICAN EAGLE FINANCIAL Credit UnionCredit Union | Strong | Strong | Sound | Strong | $869Fees | 0.190%Below | 141 | |
31 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,222Fees | 0.361%Above | 914 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,457Fees | 0.216%Above | 889 | |
34 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,217Fees | 0.464%Above | 734 | |
35 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
36 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,330Fees | 0.410%Above | 504 | |
37 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,849Fees | 0.383%Above | 374 | |
38 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,904Fees | 0.265%Above | 297 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,455Fees | 0.528%Above | 274 | |
40 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,843Fees | 0.299%Above | 99 | |
41 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | $2,449Fees | 0.369%Above | 72 | |
42 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
43 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,584Fees | 0.401%Above | 661 | |
44 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,031Fees | 0.526%Above | 390 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,833Fees | 0.388%Above | 328 | |
46 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Strong | $988Fees | 0.150%Above | 204 | |
47 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,403Fees | 0.354%Above | 189 | |
48 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $939Fees | 0.240%Above | 167 | |
49 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,545Fees | 0.269%Above | 143 | |
50 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,903Fees | 0.563%Above | 100 |
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.