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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Service Federal Credit Union | Exceptional | Exceptional | Sound | Exceptional | $628 | -0.418% | 165 | |
2 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $864 | -0.001% | 145 | |
3 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,249 | -0.051% | 110 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $510 | -0.484% | 129 | |
5 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Strong | $1,051 | -0.265% | 44 | |
6 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Sound | $909 | +0.038% | 40 | |
7 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Strong | $205 | -0.136% | 39 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $370 | -0.408% | 37 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,789 | +0.246% | 1,219 | |
10 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,464 | +0.118% | 189 | |
11 | DIGITAL | Strong | Exceptional | Acceptable | Strong | $1,073 | -0.046% | 112 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,072 | -0.145% | 86 | |
13 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,539 | +0.178% | 81 | |
14 | JEANNE D'ARC Credit Union | Strong | Strong | Strong | Strong | $1,051 | -0.109% | 53 | |
15 | NBKC BANK | Strong | Exceptional | Sound | Sound | $309 | -0.261% | 47 | |
16 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Exceptional | $2,402 | +0.208% | 328 | |
17 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,560 | +0.291% | 162 | |
18 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $1,973 | +0.361% | 72 | |
19 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $720 | +0.009% | 43 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,041 | +0.378% | 1,819 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,553 | +0.303% | 1,127 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,853 | +0.321% | 618 | |
23 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $2,905 | +0.391% | 490 | |
24 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,278 | +0.347% | 414 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,743 | +0.192% | 323 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,480 | +0.236% | 282 | |
27 | St. Mary's Bank Credit Union | Strong | Sound | Sound | Exceptional | $1,243 | +0.146% | 249 | |
28 | Meredith Village Savings Bank | Strong | Sound | Sound | Exceptional | $1,339 | +0.526% | 214 | |
29 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Exceptional | $819 | +0.312% | 147 | |
30 | Merrimack County Savings Bank | Strong | Sound | Sound | Exceptional | $1,217 | +0.413% | 141 | |
31 | Mascoma Bank | Strong | Sound | Strong | Strong | $905 | +0.324% | 118 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,805 | +0.438% | 114 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,261 | -0.094% | 111 | |
34 | Union Bank | Strong | Sound | Strong | Strong | $1,347 | +0.504% | 106 | |
35 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,510 | +0.239% | 97 | |
36 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,115 | +0.397% | 91 | |
37 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,656 | +0.279% | 57 | |
38 | NORTHEAST HOME LOAN, LLC | Strong | Sound | Strong | Strong | $3,011 | +0.545% | 44 | |
39 | EMM LOANS LLC | Strong | Acceptable | Strong | Exceptional | $2,248 | +0.412% | 731 | |
40 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,063 | +0.430% | 539 | |
41 | Bar Harbor Bank & Trust | Strong | Sound | Sound | Strong | $1,407 | +0.379% | 107 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $2,600 | +0.273% | 104 | |
43 | TD Bank, National Association | Strong | Sound | Sound | Strong | $875 | +0.339% | 98 | |
44 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,058 | -0.179% | 77 | |
45 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Strong | $1,494 | +0.080% | 67 | |
46 | BAY EQUITY LLC | Strong | Sound | Strong | Sound | $1,937 | +0.200% | 57 | |
47 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $3,349 | +0.578% | 249 | |
48 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,015 | +0.310% | 171 | |
49 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,291 | +0.311% | 132 | |
50 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | $1,488 | +0.131% | 97 |
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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