Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,139Fees | 0.226%Below | 656 | |
2 | Leader Bank, National Association BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $915Fees | 0.110%Below | 3,331 | |
3 | U.S. Bank National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $986Credit | 0.143%Below | 627 | |
4 | Morgan Stanley Private Bank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $326Fees | 0.509%Below | 275 | |
5 | Berkshire Bank BankDirect | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $105Fees | 0.195%Below | 494 | |
6 | Manufacturers and Traders Trust Company BankDirect | Exceptional | Strong | Exceptional | Strong | Exceptional | $254Fees | 0.092%Below | 723 | |
7 | Citibank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $379Fees | 0.369%Below | 182 | |
8 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Exceptional | Sound* | Exceptional | Strong | Exceptional | $2,733Fees | 0.322%Above | 3,178 | |
9 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Strong | Exceptional | Strong | Exceptional | $1,712Fees | 0.120%Above | 3,777 | |
10 | Wells Fargo Bank, National Association BankDirect | Strong | Exceptional | Exceptional | Strong | Strong | $2,363Fees | 0.038%Below | 242 | |
11 | Citizens Bank, National Association BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $1,156Fees | 0.002%Above | 783 | |
12 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $4,126Fees | 0.237%Above | 3,529 | |
13 | SALEM FIVE MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $1,843Fees | 0.044%Above | 1,047 | |
14 | Cambridge Savings Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $885Fees | 0.299%Below | 524 | |
15 | Fall River Five Cents Savings Bank BankDirect | Strong | Exceptional | Strong | Strong | Exceptional | $1,391Fees | 0.045%Above | 448 | |
16 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Strong | $560Fees | 0.525%Below | 326 | |
17 | ROCKLAND Federal Credit Union Credit UnionDirect | Strong | Exceptional | Strong | Strong | Strong | $274Fees | 0.202%Below | 192 | |
18 | UniBank for Savings BankDirect | Strong | Exceptional | Strong | Strong | Strong | $78Fees | 0.352%Below | 213 | |
19 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461Fees | 0.345%Above | 2,791 | |
20 | Webster Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Exceptional | $997Fees | 0.029%Below | 437 | |
21 | Eastern Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,358Fees | 0.179%Below | 408 | |
22 | TD Bank, National Association BankDirect | Strong | Sound | Exceptional | Strong | Strong | $754Fees | 0.152%Above | 430 | |
23 | Institution for Savings in Newburyport and Its Vicinity BankDirect | Strong | Exceptional | Strong | Sound | Strong | $1,032Fees | 0.394%Below | 300 | |
24 | Needham Bank BankDirect | Strong | Exceptional | Strong | Sound | Strong | $244Credit | 0.013%Above | 158 | |
25 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,597Fees | 0.237%Above | 1,614 | |
26 | The Cape Cod Five Cents Savings Bank BankDirect | Strong | Sound | Exceptional | Strong | Exceptional | $583Fees | 0.220%Above | 844 | |
27 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,005Fees | 0.057%Below | 783 | |
28 | Adams Community Bank BankDirect | Strong | Exceptional | — | Strong | Strong | $226Credit | 0.004%Above | 276 | |
29 | Dedham Institution for Savings BankDirect | Strong | Strong | Strong | Strong | Strong | $631Fees | 0.202%Below | 166 | |
30 | HARVARD UNIVERSITY EMPLOYEES Credit UnionDirect | Strong | Exceptional | Strong | Strong | Strong | $304Fees | 0.017%Above | 147 | |
31 | MERRIMACK VALLEY Credit UnionDirect | Strong | Exceptional | Strong | Strong | Strong | $426Fees | 0.343%Below | 141 | |
32 | Rockland Trust Company BankDirect | Strong | Strong | Strong | Sound | Exceptional | $1,236Fees | 0.124%Below | 709 | |
33 | Easthampton Savings Bank BankDirect | Strong | Strong | Strong | Strong | Exceptional | $573Fees | 0.017%Below | 440 | |
34 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $1,422Fees | 0.043%Above | 395 | |
35 | DIGITAL Credit UnionDirect | Strong | Exceptional | Strong | Acceptable | Strong | $856Fees | 0.053%Below | 299 | |
36 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,884Fees | 0.377%Above | 1,381 | |
37 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Sound | Strong | $2,625Fees | 0.352%Above | 970 | |
38 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Exceptional | $1,130Fees | 0.027%Below | 516 | |
39 | JEANNE D'ARC Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | Strong | $1,208Fees | 0.166%Below | 198 | |
40 | GUILD MORTGAGE COMPANY LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766Fees | 0.271%Above | 1,840 | |
41 | GUARANTEED RATE AFFINITY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Sound | Strong | $2,581Fees | 0.195%Above | 589 | |
42 | METRO Credit Union Credit UnionDirect | Strong | Exceptional | Strong | Sound | Strong | $1,077Fees | 0.112%Below | 140 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697Fees | 0.314%Above | 1,810 | |
44 | The Bank of Canton BankDirect | Strong | Exceptional | Strong | Sound | Strong | $389Fees | 0.052%Above | 181 | |
45 | PRIMELENDING, A PLAINSCAPITAL COMPANY Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Strong | $3,337Fees | 0.473%Above | 212 | |
46 | Bristol County Savings Bank BankDirect & Wholesale | Strong | Strong* | Strong | Strong | Strong | $871Fees | 0.029%Above | 155 | |
47 | TOTAL MORTGAGE SERVICES, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Sound | Exceptional | $4,452Fees | 0.551%Above | 1,064 | |
48 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Exceptional | $2,139Fees | 0.111%Above | 701 | |
49 | AMERANT MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | Strong | $1,706Fees | 0.209%Above | 317 | |
50 | RADIUS FINANCIAL GROUP INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Exceptional | $3,075Fees | 0.499%Above | 570 |
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.