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 UNION Credit UnionDirect | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $814Fees | 0.345%Below | 561 | |
2 | Bank of America, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,063Fees | 0.125%Below | 89 | |
3 | U.S. Bank National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Strong | $732Fees | 0.001%Below | 99 | |
4 | Morgan Stanley Private Bank, National Association BankDirect | Exceptional | Exceptional | Exceptional | Strong | Sound | $215Fees | 0.393%Below | 31 | |
5 | The Washington Trust Company, of Westerly BankDirect | Strong | Strong | Strong | Strong | Exceptional | $1,478Fees | 0.197%Below | 396 | |
6 | Citizens Bank, National Association BankDirect | Strong | Strong | Exceptional | Strong | Exceptional | $2,027Fees | 0.022%Above | 233 | |
7 | Berkshire Bank BankDirect | Strong | Exceptional | Exceptional | Strong | Sound | $1,216Fees | 0.198%Below | 27 | |
8 | Centreville Bank BankDirect | Strong | Exceptional | Strong | Sound | Exceptional | $854Fees | 0.387%Below | 199 | |
9 | COASTAL1 Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | Exceptional | $783Fees | 0.042%Below | 175 | |
10 | MOVEMENT MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,501Fees | 0.334%Above | 784 | |
11 | BAYCOAST MORTGAGE COMPANY, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | Exceptional | $989Fees | 0.041%Below | 305 | |
12 | CMG MORTGAGE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Strong | Exceptional | $2,931Fees | 0.550%Above | 386 | |
13 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Strong | $2,234Fees | 0.090%Above | 103 | |
14 | BankNewport BankDirect | Strong | Sound | Strong | Strong | Exceptional | $1,202Fees | 0.162%Above | 168 | |
15 | TD Bank, National Association BankDirect | Strong | Sound | Exceptional | Strong | Sound | $971Fees | 0.255%Above | 36 | |
16 | Webster Bank, National Association BankDirect & Wholesale | Strong | Sound* | Exceptional | Strong | Sound | $2,369Fees | 0.165%Above | 26 | |
17 | Easthampton Savings Bank BankDirect | Strong | Strong | Strong | Strong | Sound | $680Fees | 0.053%Above | 34 | |
18 | HARBORONE MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Sound | Strong | Sound | Strong | $2,646Fees | 0.242%Above | 106 | |
19 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Strong | Strong | $2,200Fees | 0.252%Above | 94 | |
20 | MORTGAGE EQUITY PARTNERS LLC Independent Mortgage CompanyDirect | Sound | Acceptable | — | Strong | Strong | $3,341Fees | 0.399%Above | 150 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.