Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $915Fees | 0.110%Below | 3,331 | |
2 | The Cape Cod Five Cents Savings Bank BankDirect | Exceptional | Strong | Strong | Exceptional | Exceptional | $583Fees | 0.220%Above | 844 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $2,733Fees | 0.322%Above | 3,178 | |
4 | U.S. Bank National Association BankDirect | Strong | Strong | Exceptional | Strong | Strong | $986Credit | 0.143%Below | 627 | |
5 | Westfield Bank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $947Fees | 0.031%Below | 300 | |
6 | Adams Community Bank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $226Credit | 0.004%Above | 276 | |
7 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | Exceptional | $4,126Fees | 0.237%Above | 3,529 | |
8 | Manufacturers and Traders Trust Company BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $254Fees | 0.092%Below | 723 | |
9 | Bank of America, National Association BankDirect | Strong | Strong | Exceptional | Strong | Strong | $1,139Fees | 0.226%Below | 656 | |
10 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | Exceptional | $1,130Fees | 0.027%Below | 516 | |
11 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Strong | $560Fees | 0.525%Below | 326 | |
12 | HOMESTEAD FUNDING CORP. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Exceptional | Strong | $2,379Fees | 0.244%Above | 131 | |
13 | Cambridge Savings Bank BankDirect | Strong | Exceptional | Sound | Strong | Exceptional | $885Fees | 0.299%Below | 524 | |
14 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,005Fees | 0.057%Below | 783 | |
15 | Citizens Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Exceptional | $1,156Fees | 0.002%Above | 783 | |
16 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Sound | Strong | $326Fees | 0.509%Below | 275 | |
17 | Florence Bank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $652Fees | 0.586%Below | 194 | |
18 | PeoplesBank BankDirect | Strong | Exceptional | Strong | Strong | Strong | $679Fees | 0.050%Below | 167 | |
19 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,712Fees | 0.120%Above | 3,777 | |
20 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,139Fees | 0.111%Above | 701 | |
21 | Fall River Five Cents Savings Bank BankDirect | Strong | Exceptional | Strong | Strong | Exceptional | $1,391Fees | 0.045%Above | 448 | |
22 | Easthampton Savings Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $573Fees | 0.017%Below | 440 | |
23 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597Fees | 0.237%Above | 1,614 | |
24 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,625Fees | 0.352%Above | 970 | |
25 | Greenfield Savings Bank BankDirect | Strong | Strong | Strong | Strong | Strong | $983Fees | 0.419%Below | 191 | |
26 | Citibank, National Association BankDirect | Strong | Exceptional | Exceptional | Sound | Strong | $379Fees | 0.369%Below | 182 | |
27 | POLISH NATIONAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | Strong | $602Fees | 0.248%Below | 150 | |
28 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766Fees | 0.271%Above | 1,840 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697Fees | 0.314%Above | 1,810 | |
30 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884Fees | 0.377%Above | 1,381 | |
31 | Berkshire Bank BankDirect | Strong | Exceptional | Sound | Sound | Exceptional | $105Fees | 0.195%Below | 494 | |
32 | GREYLOCK FEDERAL CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | Exceptional | $876Credit | 0.107%Above | 315 | |
33 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461Fees | 0.345%Above | 2,791 | |
34 | Rockland Trust Company BankDirect | Strong | Strong | Strong | Sound | Exceptional | $1,236Fees | 0.124%Below | 709 | |
35 | NBKC BANK BankDirect | Strong | Exceptional | Strong | Sound | Strong | $305Fees | 0.210%Below | 154 | |
36 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Exceptional | Sound | Strong | $2,363Fees | 0.038%Below | 242 | |
37 | UniBank for Savings BankDirect | Strong | Exceptional | Sound | Sound | Strong | $78Fees | 0.352%Below | 213 | |
38 | Institution for Savings in Newburyport and Its Vicinity BankDirect | Strong | Exceptional | Sound | Sound | Strong | $1,032Fees | 0.394%Below | 300 | |
39 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,452Fees | 0.551%Above | 1,064 | |
40 | SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | Exceptional | $1,843Fees | 0.044%Above | 1,047 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Strong | Sound | Strong | $1,250Fees | 0.076%Below | 345 | |
42 | Eastern Bank BankDirect | Strong | Strong | Sound | Sound | Exceptional | $1,358Fees | 0.179%Below | 408 | |
43 | EMM LOANS LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $2,168Fees | 0.488%Above | 393 | |
44 | BAY EQUITY LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $1,687Fees | 0.069%Above | 244 | |
45 | KEYSTONE FUNDING, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | Strong | $1,446Fees | 0.279%Above | 177 | |
46 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $1,422Fees | 0.043%Above | 395 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $3,337Fees | 0.473%Above | 212 | |
48 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | Strong | $1,102Fees | 0.288%Above | 192 | |
49 | NEWREZ LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Sound | Strong | $2,089Fees | 0.394%Above | 525 | |
50 | TD Bank, National Association BankDirect | Strong | Sound | Strong | Sound | Strong | $754Fees | 0.152%Above | 430 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.