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 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $1,332 | -0.065% | 462 | |
2 | TOWN & COUNTRY FEDERAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $497 | -0.067% | 129 | |
3 | The Camden National Bank | Exceptional | Strong | Strong | Exceptional | $832 | +0.099% | 304 | |
4 | Androscoggin Savings Bank | Exceptional | Strong | Strong | Exceptional | $1,753 | +0.103% | 164 | |
5 | Bath Savings Institution | Exceptional | Strong | Strong | Exceptional | $1,275 | -0.436% | 104 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $314 | -0.404% | 62 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | $306 | -0.456% | 24 | |
8 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Sound | $1,079 | +0.080% | 21 | |
9 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | -$7,098 | +0.510% | 20 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,446 | +0.345% | 778 | |
11 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $558 | +0.044% | 109 | |
12 | Service Federal Credit Union | Strong | Exceptional | Sound | Sound | $653 | -0.390% | 26 | |
13 | Norway Savings Bank | Strong | Strong | Sound | Strong | $1,042 | +0.218% | 46 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,950 | -0.081% | 40 | |
15 | KeyBank National Association | Strong | Strong | Strong | Sound | $2,515 | +0.086% | 27 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | $2,416 | +0.021% | 25 | |
17 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,868 | +0.050% | 22 | |
18 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,105 | +0.405% | 642 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Exceptional | $2,645 | +0.283% | 543 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,979 | +0.344% | 340 | |
21 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,430 | +0.161% | 120 | |
22 | Saco & Biddeford Savings Institution | Strong | Sound | Sound | Exceptional | $1,433 | +0.238% | 104 | |
23 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,828 | +0.218% | 82 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,069 | +0.185% | 61 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,859 | +0.263% | 44 | |
26 | Kennebec Savings Bank | Strong | Sound | Strong | Strong | $0 | +0.591% | 36 | |
27 | Empeople Credit Union | Strong | Strong | Sound | Sound | $1,084 | -0.367% | 24 | |
28 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,844 | -0.007% | 23 | |
29 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,775 | +0.407% | 162 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $2,457 | +0.507% | 104 | |
31 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Strong | $1,122 | +0.248% | 71 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,254 | +0.380% | 68 | |
33 | TD Bank, National Association | Strong | Sound | Sound | Strong | $653 | +0.344% | 55 | |
34 | CUSO MORTGAGE CORPORATION | Strong | Sound | Sound | Strong | $1,950 | +0.504% | 53 | |
35 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $2,280 | +0.641% | 48 | |
36 | SIS BANCORP, MHC | Strong | Sound | Sound | Strong | $1,239 | +0.283% | 48 | |
37 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,382 | +0.224% | 42 | |
38 | SACO VALLEY CREDIT UNION | Strong | Sound | Sound | Strong | $769 | +0.260% | 32 | |
39 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Sound | $1,903 | +0.437% | 29 | |
40 | NORTHEAST HOME LOAN, LLC | Strong | Sound | Strong | Sound | $1,425 | +0.738% | 25 | |
41 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $889 | +0.021% | 24 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,154 | +0.355% | 160 | |
43 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $3,494 | +0.698% | 84 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $821 | +0.460% | 57 | |
45 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,537 | +0.356% | 57 | |
46 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,263 | -0.130% | 25 | |
47 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,438 | -0.222% | 21 | |
48 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,034 | +0.351% | 151 | |
49 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,943 | +0.250% | 60 | |
50 | EMM LOANS LLC | Sound | Acceptable | Strong | Sound | $1,956 | +0.384% | 33 |
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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