Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $760Fees | 0.110%Above | 153 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,454Fees | 0.017%Below | 74 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,524Fees | 0.115%Above | 45 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $299Fees | 0.433%Below | 39 | |
5 | The Camden National BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,038Fees | 0.079%Above | 647 | |
6 | Androscoggin Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,847Fees | 0.124%Above | 240 | |
7 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,882Fees | 0.296%Above | 128 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,431Fees | 0.368%Above | 1,309 | |
9 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,309Fees | 0.415%Above | 1,169 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,307Fees | 0.448%Above | 1,010 | |
11 | Bath Savings InstitutionBank | Exceptional | Strong | Strong | Strong | Strong | $1,232Fees | 0.400%Below | 145 | |
12 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $2,179Fees | 0.183%Above | 42 | |
13 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,679Fees | 0.105%Above | 31 | |
14 | Bangor Savings BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,277Fees | 0.104%Below | 1,178 | |
15 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $783Fees | 0.401%Above | 138 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,914Fees | 0.338%Above | 82 | |
17 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,750Fees | 0.370%Above | 1,122 | |
18 | Kennebec Savings BankBank | Strong | Sound | — | Strong | Exceptional | $59Fees | 0.582%Above | 388 | |
19 | Saco & Biddeford Savings InstitutionBank | Strong | Sound | Strong | Strong | Strong | $1,426Fees | 0.258%Above | 110 | |
20 | Norway Savings BankBank | Strong | Strong | Sound | Sound | Strong | $1,005Fees | 0.271%Above | 110 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,081Fees | 0.438%Above | 253 | |
22 | Machias Savings BankBank | Strong | Sound | — | Sound | Exceptional | $1,275Fees | 0.361%Above | 179 | |
23 | First National BankBank | Strong | Acceptable | Sound | Strong | Exceptional | $601Fees | 0.602%Above | 175 | |
24 | TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $3,621Fees | 0.580%Above | 260 | |
25 | Bar Harbor Bank & TrustBank | Strong | Sound | Sound | Acceptable | Strong | $1,333Fees | 0.607%Above | 82 |
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.