Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $18Credit | 0.152%Below | 682 | |
2 | Newtown Savings BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
3 | Chelsea Groton BankBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $322Fees | 0.019%Below | 238 | |
4 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,677Fees | 0.072%Below | 120 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $721Credit | 0.123%Below | 817 | |
6 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Strong | $1,460Fees | 0.141%Above | 358 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $516Fees | 0.460%Below | 324 | |
8 | MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Sound | Exceptional | $725Fees | 0.304%Below | 286 | |
9 | Thomaston Savings BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,059Fees | 0.034%Above | 230 | |
10 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $680Fees | 0.231%Below | 158 | |
11 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,809Fees | 0.034%Above | 142 | |
12 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,480Fees | 0.242%Below | 461 | |
13 | SIKORSKY FINANCIAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Sound | Exceptional | $922Fees | 0.555%Below | 234 | |
14 | Charter Oak Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | Strong | $344Credit | 0.188%Below | 175 | |
15 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $369Fees | 0.469%Below | 139 | |
16 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,403Fees | 0.016%Below | 115 | |
17 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,566Fees | 0.287%Above | 1,179 | |
18 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,456Fees | 0.139%Above | 736 | |
19 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,317Fees | 0.021%Above | 365 | |
20 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,214Fees | 0.027%Above | 306 | |
21 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $895Fees | 0.151%Below | 74 | |
22 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,218Fees | 0.365%Above | 2,533 | |
23 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,094Fees | 0.315%Above | 2,211 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,330Fees | 0.410%Above | 504 | |
25 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
26 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,732Fees | 0.397%Above | 349 | |
27 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,804Fees | 0.401%Above | 164 | |
28 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,616Fees | 0.160%Above | 164 | |
29 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,443Fees | 0.462%Above | 2,298 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,843Fees | 0.463%Above | 920 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,222Fees | 0.361%Above | 914 | |
32 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,457Fees | 0.216%Above | 889 | |
33 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,217Fees | 0.464%Above | 734 | |
34 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,584Fees | 0.401%Above | 661 | |
35 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,342Fees | 0.184%Above | 481 | |
36 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,904Fees | 0.265%Above | 297 | |
37 | Union Savings BankBank | Strong | Strong | Sound | Sound | Strong | $1,008Fees | 0.262%Below | 209 | |
38 | EQUITY RESOURCES, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,843Fees | 0.299%Above | 99 | |
39 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,449Fees | 0.369%Above | 72 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,988Fees | 0.313%Above | 640 | |
41 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,031Fees | 0.526%Above | 390 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,833Fees | 0.388%Above | 328 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,455Fees | 0.528%Above | 274 | |
44 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,639Fees | 0.475%Above | 263 | |
45 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,969Fees | 0.301%Above | 232 | |
46 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,471Fees | 0.606%Above | 208 | |
47 | KIND LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,489Fees | 0.481%Above | 195 | |
48 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,403Fees | 0.354%Above | 189 | |
49 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $939Fees | 0.240%Above | 167 | |
50 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,545Fees | 0.269%Above | 143 |
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.