Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVIGANT CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $809Fees | 0.344%Below | 593 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $683Fees | 0.013%Above | 114 | |
3 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,160Fees | 0.136%Below | 110 | |
4 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,822Fees | 0.039%Above | 279 | |
5 | Centreville BankBank | Exceptional | Exceptional | Strong | Sound | Exceptional | $862Fees | 0.375%Below | 208 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $2,316Fees | 0.058%Above | 36 | |
7 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $240Fees | 0.406%Below | 35 | |
8 | Berkshire BankBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,237Fees | 0.213%Below | 32 | |
9 | The Washington Trust Company, of WesterlyBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,544Fees | 0.186%Below | 408 | |
10 | COASTAL1 Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $782Fees | 0.060%Below | 204 | |
11 | Bristol County Savings BankBank | Exceptional | Strong | Strong | Strong | Exceptional | $883Fees | 0.005%Below | 134 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,524Fees | 0.331%Above | 891 | |
13 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,090Fees | 0.505%Above | 539 | |
14 | Easthampton Savings BankBank | Exceptional | Strong | Strong | Strong | Strong | $625Fees | 0.061%Above | 53 | |
15 | BAYCOAST MORTGAGE COMPANY, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $1,145Fees | 0.031%Below | 585 | |
16 | BankNewportBank | Strong | Sound | Strong | Strong | Exceptional | $1,164Fees | 0.162%Above | 179 | |
17 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,288Fees | 0.090%Above | 118 | |
18 | Bank Rhode IslandBank | Strong | Exceptional | Sound | Acceptable | Strong | $556Fees | 0.096%Below | 60 | |
19 | Webster Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,682Fees | 0.159%Above | 53 | |
20 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,239Fees | 0.457%Above | 314 | |
21 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $995Fees | 0.207%Above | 48 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,584Fees | 0.334%Above | 241 | |
23 | HARBORONE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,558Fees | 0.202%Above | 150 | |
24 | MORTGAGE EQUITY PARTNERS LLCIndependent Mortgage Company | Strong | Acceptable | — | Strong | Exceptional | $3,327Fees | 0.411%Above | 197 |
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.