Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
2 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,391 | +0.045% | 448 | |
3 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $583 | +0.220% | 844 | |
4 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Exceptional | $885 | -0.299% | 524 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $560 | -0.525% | 326 | |
6 | Westfield Bank | Exceptional | Exceptional | Strong | Strong | Strong | $947 | -0.031% | 300 | |
7 | Adams Community Bank | Exceptional | Exceptional | Strong | Strong | Strong | -$226 | +0.004% | 276 | |
8 | Florence Bank | Exceptional | Exceptional | Strong | Strong | Strong | $652 | -0.586% | 194 | |
9 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $379 | -0.369% | 182 | |
10 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | Strong | $679 | -0.050% | 167 | |
11 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,379 | +0.244% | 131 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,156 | +0.002% | 783 | |
13 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,139 | -0.226% | 656 | |
14 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$986 | -0.143% | 627 | |
15 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
16 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $105 | -0.195% | 494 | |
17 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
18 | GREYLOCK FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | -$876 | +0.107% | 315 | |
19 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $326 | -0.509% | 275 | |
20 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $305 | -0.210% | 154 | |
21 | POLISH NATIONAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Strong | $602 | -0.248% | 150 | |
22 | Manufacturers and Traders Trust Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $254 | -0.092% | 723 | |
23 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
24 | HARBORONE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,139 | +0.111% | 701 | |
25 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Sound | Strong | $1,032 | -0.394% | 300 | |
26 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,363 | -0.038% | 242 | |
27 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $78 | -0.352% | 213 | |
28 | Greenfield Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $983 | -0.419% | 191 | |
29 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $389 | +0.052% | 181 | |
30 | Dedham Institution for Savings | Exceptional | Exceptional | Sound | Sound | Strong | $631 | -0.202% | 166 | |
31 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Sound | Strong | $426 | -0.343% | 141 | |
32 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,126 | +0.237% | 3,529 | |
33 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,733 | +0.322% | 3,178 | |
34 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,625 | +0.352% | 970 | |
35 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,005 | -0.057% | 783 | |
36 | Eastern Bank | Strong | Strong | Sound | Sound | Exceptional | $1,358 | -0.179% | 408 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,250 | -0.076% | 345 | |
38 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,687 | +0.069% | 244 | |
39 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Strong | $1,116 | +0.021% | 171 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697 | +0.314% | 1,810 | |
44 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
45 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
46 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,452 | +0.551% | 1,064 | |
47 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,422 | +0.043% | 395 | |
48 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,472 | +0.216% | 214 | |
49 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
50 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,075 | +0.499% | 570 |
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.
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