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 | Berkshire Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $105 | -0.195% | 494 | |
2 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,139 | -0.226% | 656 | |
3 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$986 | -0.143% | 627 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,391 | +0.045% | 448 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $326 | -0.509% | 275 | |
6 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,363 | -0.038% | 242 | |
7 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $379 | -0.369% | 182 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,712 | +0.120% | 3,777 | |
9 | Leader Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $915 | -0.110% | 3,331 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,156 | +0.002% | 783 | |
11 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $254 | -0.092% | 723 | |
12 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $560 | -0.525% | 326 | |
13 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | Strong | $78 | -0.352% | 213 | |
14 | ROCKLAND Federal Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $274 | -0.202% | 192 | |
15 | HARVARD UNIVERSITY EMPLOYEES | Exceptional | Exceptional | Strong | Strong | Strong | $304 | +0.017% | 147 | |
16 | MERRIMACK VALLEY | Exceptional | Exceptional | Strong | Strong | Strong | $426 | -0.343% | 141 | |
17 | Cambridge Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $885 | -0.299% | 524 | |
18 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Exceptional | $573 | -0.017% | 440 | |
19 | Eastern Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,358 | -0.179% | 408 | |
20 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Strong | Sound | Strong | $1,032 | -0.394% | 300 | |
21 | Adams Community Bank | Exceptional | Exceptional | — | Strong | Strong | -$226 | +0.004% | 276 | |
22 | The Bank of Canton | Exceptional | Exceptional | Strong | Sound | Strong | $389 | +0.052% | 181 | |
23 | Needham Bank | Exceptional | Exceptional | Strong | Sound | Strong | -$244 | +0.013% | 158 | |
24 | METRO Credit Union | Exceptional | Exceptional | Strong | Sound | Strong | $1,077 | -0.112% | 140 | |
25 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,126 | +0.237% | 3,529 | |
26 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,733 | +0.322% | 3,178 | |
27 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,597 | +0.237% | 1,614 | |
28 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,884 | +0.377% | 1,381 | |
29 | SALEM FIVE MORTGAGE COMPANY, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,843 | +0.044% | 1,047 | |
30 | The Cape Cod Five Cents Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $583 | +0.220% | 844 | |
31 | Rockland Trust Company | Exceptional | Strong | Strong | Sound | Exceptional | $1,236 | -0.124% | 709 | |
32 | Webster Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $997 | -0.029% | 437 | |
33 | DIGITAL | Exceptional | Exceptional | Strong | Acceptable | Strong | $856 | -0.053% | 299 | |
34 | JEANNE D'ARC Credit Union | Exceptional | Strong | Strong | Strong | Strong | $1,208 | -0.166% | 198 | |
35 | PeoplesBank | Exceptional | Exceptional | Sound | Sound | Strong | $679 | -0.050% | 167 | |
36 | Dedham Institution for Savings | Exceptional | Strong | Strong | Strong | Strong | $631 | -0.202% | 166 | |
37 | Bristol County Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $871 | +0.029% | 155 | |
38 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,005 | -0.057% | 783 | |
39 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Exceptional | $1,130 | -0.027% | 516 | |
40 | TD Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $754 | +0.152% | 430 | |
41 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,422 | +0.043% | 395 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Sound | Exceptional | Strong | Strong | $3,337 | +0.473% | 212 | |
43 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,461 | +0.345% | 2,791 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,766 | +0.271% | 1,840 | |
45 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,697 | +0.314% | 1,810 | |
46 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,625 | +0.352% | 970 | |
47 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Sound | Exceptional | $2,139 | +0.111% | 701 | |
48 | GUARANTEED RATE AFFINITY, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,581 | +0.195% | 589 | |
49 | RADIUS FINANCIAL GROUP INC. | Strong | Sound | Strong | Sound | Exceptional | $3,075 | +0.499% | 570 | |
50 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | Strong | $1,706 | +0.209% | 317 |
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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