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 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $369Fees | 0.469%Below | 139 | |
5 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $1,677Fees | 0.072%Below | 120 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Strong | Exceptional | $721Credit | 0.123%Below | 817 | |
7 | Newtown Savings BankBank | Exceptional | Strong | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
8 | Citibank, National AssociationBank | Exceptional | Exceptional | Sound | Strong | $680Fees | 0.231%Below | 158 | |
9 | The Torrington Savings BankBank | Exceptional | Exceptional | Sound | Strong | $271Fees | 0.219%Below | 129 | |
10 | Northwest Community BankBank | Exceptional | Exceptional | Sound | Strong | $618Fees | 0.142%Below | 98 | |
11 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,480Fees | 0.242%Below | 461 | |
12 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
13 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,317Fees | 0.021%Above | 365 | |
14 | Union Savings BankBank | Strong | Strong | Strong | Strong | $1,008Fees | 0.262%Below | 209 | |
15 | KeyBank National AssociationBank | Strong | Strong | Strong | Strong | $1,403Fees | 0.016%Below | 115 | |
16 | First Federal BankBank | Strong | Exceptional | Sound | Sound | $1,483Fees | 0.364%Above | 75 | |
17 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $895Fees | 0.151%Below | 74 | |
18 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,456Fees | 0.139%Above | 736 | |
19 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Strong | $2,214Fees | 0.027%Above | 306 | |
20 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | $2,449Fees | 0.369%Above | 72 | |
21 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Strong | $988Fees | 0.150%Above | 204 | |
22 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $939Fees | 0.240%Above | 167 | |
23 | USAA Federal Savings BankBank | Strong | Sound | Sound | Strong | $1,997Fees | 0.184%Below | 101 | |
24 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Exceptional | Sound | $4,844Fees | 0.576%Above | 76 | |
25 | Flagstar Bank, N.A.Bank | Sound | Acceptable | Strong | Sound | $3,729Fees | 0.229%Above | 76 | |
26 | Ixonia BankBank | Sound | Mediocre | Strong | Strong | $3,726Fees | 0.630%Above | 128 | |
27 | First National Bank of AmericaBank | Sound | Mediocre | Sound | Strong | $4,430Fees | 1.917%Above | 146 | |
28 | The Federal Savings BankBank | Sound | Mediocre | Sound | Sound | $5,309Fees | 0.567%Above | 69 |
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.