Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | NAVIGANT CREDIT UNION Credit UnionDirect | Exceptional | Exceptional | Strong | Exceptional | $814Fees | 0.345%Below | 561 | |
2 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Exceptional | Strong | Strong | Exceptional | $989Fees | 0.041%Below | 305 | |
3 | The Washington Trust Company, of Westerly BankDirect | Strong | Strong | Strong | Exceptional | $1,478Fees | 0.197%Below | 396 | |
4 | Centreville Bank BankDirect | Strong | Exceptional | Strong | Exceptional | $854Fees | 0.387%Below | 199 | |
5 | COASTAL1 Credit Union Credit UnionDirect | Strong | Strong | Strong | Exceptional | $783Fees | 0.042%Below | 175 | |
6 | Fall River Five Cents Savings Bank BankDirect | Strong | Exceptional | Strong | Strong | $1,535Fees | 0.039%Above | 83 | |
7 | Leader Bank, National Association BankDirect | Strong | Exceptional | Strong | Strong | $989Fees | 0.039%Below | 90 | |
8 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $617Fees | 0.522%Below | 129 | |
9 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $3,108Fees | 0.191%Above | 343 | |
10 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $4,958Fees | 0.283%Above | 592 | |
11 | Citizens Bank, National Association BankDirect | Strong | Strong | Strong | Exceptional | $2,027Fees | 0.022%Above | 233 | |
12 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Strong | $732Fees | 0.001%Below | 99 | |
13 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $2,063Fees | 0.125%Below | 89 | |
14 | Morgan Stanley Private Bank, National Association BankDirect | Strong | Exceptional | Strong | Sound | $215Fees | 0.393%Below | 31 | |
15 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,501Fees | 0.334%Above | 784 | |
16 | NBKC BANK BankDirect | Strong | Exceptional | Sound | Sound | $768Fees | 0.138%Below | 32 | |
17 | Berkshire Bank BankDirect | Strong | Exceptional | Strong | Sound | $1,216Fees | 0.198%Below | 27 | |
18 | NFM, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $4,361Fees | 0.641%Above | 522 | |
19 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,931Fees | 0.550%Above | 386 | |
20 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $4,089Fees | 0.498%Above | 200 | |
21 | BankNewport BankDirect | Strong | Sound | Sound | Exceptional | $1,202Fees | 0.162%Above | 168 | |
22 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,646Fees | 0.242%Above | 106 | |
23 | WESTERLY COMMUNITY Credit UnionDirect | Strong | Exceptional | Acceptable | Strong | $1,091Fees | 0.233%Below | 49 | |
24 | RELIANCE FIRST CAPITAL, LLC Independent Mortgage CompanyDirect | Strong | — | Exceptional | Sound | — | — | 26 | |
25 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,589Fees | 0.309%Above | 366 | |
26 | Bristol County Savings Bank BankDirect & Wholesale | Strong | Strong* | Strong | Strong | $678Fees | 0.042%Below | 36 | |
27 | Easthampton Savings Bank BankDirect | Strong | Strong | Strong | Sound | $680Fees | 0.053%Above | 34 | |
28 | PROVINCE MORTGAGE ASSOCIATES, INC. Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $3,487Fees | 0.458%Above | 220 | |
29 | Eastern Bank BankDirect | Strong | Strong | Sound | Sound | $1,391Fees | 0.010%Below | 31 | |
30 | Northpointe Bank BankDirect | Strong | Sound | Strong | Strong | $3,402Fees | 0.310%Above | 170 | |
31 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,234Fees | 0.090%Above | 103 | |
32 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $3,049Fees | 0.627%Above | 82 | |
33 | Bank Rhode Island BankDirect | Strong | Exceptional | Acceptable | Strong | $552Fees | 0.073%Below | 55 | |
34 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,424Fees | 0.045%Above | 75 | |
35 | The People's Credit Union Credit UnionDirect | Strong | Exceptional | Acceptable | Strong | $578Fees | 0.013%Above | 58 | |
36 | PRIMARY RESIDENTIAL MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Mediocre | Strong | Exceptional | $5,342Fees | 0.568%Above | 423 | |
37 | Home Loan Investment Bank, F.S.B. BankDirect | Strong | Acceptable | Strong | Exceptional | $2,478Fees | 0.254%Above | 143 | |
38 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,410Fees | 0.296%Above | 138 | |
39 | SEMPER HOME LOANS, INC Independent Mortgage CompanyDirect | Sound | Mediocre | Strong | Exceptional | $5,685Fees | 0.519%Above | 252 | |
40 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Sound | Mediocre | Exceptional | Strong | $5,623Fees | 0.604%Above | 156 | |
41 | OCEAN STATE CREDIT UNION Credit UnionDirect | Sound | Strong | Acceptable | Strong | $866Fees | 0.148%Below | 30 | |
42 | Colorado Federal Savings Bank BankWholesale | Sound | Strong* | Sound | Sound | $1,875Fees | 0.119%Above | 24 | |
43 | MORTGAGE EQUITY PARTNERS LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,341Fees | 0.399%Above | 150 | |
44 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Sound | Acceptable | Exceptional | Strong | $2,200Fees | 0.252%Above | 94 | |
45 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $3,377Fees | 0.442%Above | 185 | |
46 | EMBRACE HOME LOANS, INC. Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,821Fees | 0.311%Above | 83 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. Independent Mortgage CompanyDirect | Sound | Sound | Sound | Sound | $2,049Fees | 0.090%Below | 43 | |
48 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,141Fees | 0.584%Above | 94 | |
49 | Sierra Pacific Mortgage Company, Inc. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Strong | Sound | $4,264Fees | 0.559%Above | 46 | |
50 | NATIONS DIRECT MORTGAGE, LLC Independent Mortgage CompanyWholesale | Sound | Acceptable* | Strong | Sound | $2,689Fees | 0.527%Above | 40 |
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.