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 | Bangor Savings Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,332 | -0.065% | 462 | |
2 | TOWN & COUNTRY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $497 | -0.067% | 129 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $314 | -0.404% | 62 | |
4 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,079 | +0.080% | 21 | |
5 | The Camden National Bank | Exceptional | Strong | Strong | Strong | Exceptional | $832 | +0.099% | 304 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $558 | +0.044% | 109 | |
7 | Androscoggin Savings Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,753 | +0.103% | 164 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,950 | -0.081% | 40 | |
9 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,515 | +0.086% | 27 | |
10 | NORTHEAST HOME LOAN, LLC | Exceptional | Strong | Strong | Exceptional | Sound | $1,425 | +0.738% | 25 | |
11 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $306 | -0.456% | 24 | |
12 | MEGASTAR FINANCIAL CORP. | Exceptional | Exceptional | Strong | Sound | Sound | -$7,098 | +0.510% | 20 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,446 | +0.345% | 778 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,979 | +0.344% | 340 | |
15 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,430 | +0.161% | 120 | |
16 | Bath Savings Institution | Strong | Strong | Sound | Sound | Exceptional | $1,275 | -0.436% | 104 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,069 | +0.185% | 61 | |
18 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,416 | +0.021% | 25 | |
19 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,844 | -0.007% | 23 | |
20 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,105 | +0.405% | 642 | |
21 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,645 | +0.283% | 543 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,859 | +0.263% | 44 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,382 | +0.224% | 42 | |
24 | Empeople Credit Union | Strong | Strong | Strong | Sound | Sound | $1,084 | -0.367% | 24 | |
25 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,868 | +0.050% | 22 | |
26 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,438 | -0.222% | 21 | |
27 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,775 | +0.407% | 162 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,154 | +0.355% | 160 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.507% | 104 | |
30 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,791 | +0.543% | 104 | |
31 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $3,494 | +0.698% | 84 | |
32 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,828 | +0.218% | 82 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,254 | +0.380% | 68 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,537 | +0.356% | 57 | |
35 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $653 | +0.344% | 55 | |
36 | CUSO MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,950 | +0.504% | 53 | |
37 | Norway Savings Bank | Strong | Strong | Sound | Acceptable | Strong | $1,042 | +0.218% | 46 | |
38 | Kennebec Savings Bank | Strong | Sound | Strong | Sound | Strong | $0 | +0.591% | 36 | |
39 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $889 | +0.021% | 24 | |
40 | Servion, Inc. | Strong | Sound | Strong | Strong | Sound | $914 | +0.557% | 16 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,034 | +0.351% | 151 | |
42 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Sound | Strong | $1,122 | +0.248% | 71 | |
43 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,943 | +0.250% | 60 | |
44 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Sound | $2,280 | +0.641% | 48 | |
45 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,956 | +0.384% | 33 | |
46 | SACO VALLEY CREDIT UNION | Strong | Sound | Acceptable | Strong | Strong | $769 | +0.260% | 32 | |
47 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,068 | +0.150% | 29 | |
48 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,189 | +0.164% | 17 | |
49 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,823 | +0.435% | 15 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $821 | +0.460% | 57 |
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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