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 | $218Fees | 0.063%Below | 355 | |
2 | Chelsea Groton BankBank | Exceptional | Exceptional | Strong | Strong | $330Fees | 0.016%Below | 113 | |
3 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $1,740Fees | 0.054%Below | 90 | |
4 | Westfield BankBank | Exceptional | Exceptional | Strong | Strong | $1,061Fees | 0.011%Below | 45 | |
5 | PeoplesBankBank | Exceptional | Exceptional | Strong | Strong | $717Fees | 0.233%Below | 40 | |
6 | Thomaston Savings BankBank | Exceptional | Exceptional | Strong | Strong | $1,040Fees | 0.021%Above | 34 | |
7 | MEMBERS MORTGAGE COMPANY, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $887Fees | 0.332%Below | 132 | |
8 | HOMESTEAD FUNDING CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | $1,513Fees | 0.061%Above | 88 | |
9 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $427Fees | 0.460%Below | 84 | |
10 | Charter Oak Federal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $575Credit | 0.282%Below | 72 | |
11 | The Torrington Savings BankBank | Exceptional | Exceptional | Sound | Strong | $221Fees | 0.296%Below | 35 | |
12 | Northwest Community BankBank | Exceptional | Exceptional | Sound | Strong | $675Fees | 0.179%Below | 34 | |
13 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,940Fees | 0.330%Above | 814 | |
14 | FIRST WORLD MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,749Fees | 0.294%Above | 735 | |
15 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,996Fees | 0.219%Below | 106 | |
16 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $718Fees | 0.007%Below | 101 | |
17 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $2,082Fees | 0.096%Above | 101 | |
18 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Strong | $1,721Fees | 0.119%Above | 95 | |
19 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Strong | Exceptional | Sound | Sound | $1,533Fees | 0.058%Above | 53 | |
20 | Newtown Savings BankBank | Strong | Strong | Strong | Strong | $2,744Fees | 0.193%Below | 50 | |
21 | First Federal BankBank | Strong | Exceptional | Sound | Sound | $1,194Fees | 0.441%Above | 50 | |
22 | WILLIAM RAVEIS MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $2,237Fees | 0.224%Above | 176 | |
23 | AMERICAN EAGLE FINANCIAL Credit UnionCredit Union | Strong | Strong | Sound | Strong | $885Fees | 0.192%Below | 118 | |
24 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,118Fees | 0.399%Above | 61 | |
25 | KeyBank National AssociationBank | Strong | Strong | Strong | Sound | $1,833Fees | 0.049%Above | 51 | |
26 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,097Fees | 0.363%Above | 842 | |
27 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $2,353Fees | 0.172%Above | 603 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,104Fees | 0.326%Above | 388 | |
29 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,602Fees | 0.282%Above | 185 | |
30 | NORWICH COMMERCIAL GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $1,990Fees | 0.414%Above | 170 | |
31 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,892Fees | 0.499%Above | 143 | |
32 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,406Fees | 0.190%Above | 137 | |
33 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $1,938Fees | 0.601%Above | 97 | |
34 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,096Fees | 0.308%Above | 92 | |
35 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Sound | $3,026Fees | 0.200%Above | 58 | |
36 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,679Fees | 0.440%Above | 298 | |
37 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,661Fees | 0.421%Above | 182 | |
38 | WASHINGTON TRUST MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $1,863Fees | 0.115%Above | 68 | |
39 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Strong | $1,047Fees | 0.178%Above | 68 | |
40 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Sound | Strong | $827Fees | 0.279%Above | 62 | |
41 | TD Bank, National AssociationBank | Strong | Sound | Sound | Strong | $729Fees | 0.336%Above | 61 | |
42 | MORTGAGE MARKETS CUSO, LLCIndependent Mortgage Company | Strong | Sound | Sound | Strong | $2,000Fees | 0.165%Above | 53 | |
43 | Evolve Bank & TrustBank | Strong | Sound | Strong | Sound | $1,530Fees | 0.362%Above | 28 | |
44 | AMERANT MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,766Fees | 0.300%Above | 23 | |
45 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,022Fees | 0.629%Above | 144 | |
46 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,099Fees | 0.339%Above | 142 | |
47 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $3,636Fees | 0.625%Above | 132 | |
48 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,707Fees | 0.422%Above | 117 | |
49 | GUARANTEED RATE AFFINITY, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,218Fees | 0.228%Above | 116 | |
50 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $4,054Fees | 0.296%Above | 99 |
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.