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Safe Rate's TrueRank Guarantee
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.
Best Mortgage Lenders in Rockingham County
Updated February 5, 2026
Market Overview
74
Total Lenders
4,673
Total Loans
0.19%
Median Rate Spread
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Strong | $773 | +0.006% | 56 | |
2 | Bangor Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,179 | -0.048% | 41 | |
3 | Service Federal Credit Union | Exceptional | Exceptional | Sound | Strong | $771 | -0.489% | 79 | |
4 | Institution for Savings in Newburyport and Its Vicinity | Exceptional | Exceptional | Sound | Strong | $1,128 | -0.215% | 32 | |
5 | MERRIMACK VALLEY | Exceptional | Exceptional | Sound | Strong | $192 | -0.193% | 25 | |
6 | NBT Bank, National Association | Exceptional | Exceptional | Strong | Sound | $849 | -0.106% | 21 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,496 | +0.186% | 438 | |
8 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,283 | +0.061% | 67 | |
9 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $353 | -0.474% | 37 | |
10 | NBKC BANK | Strong | Exceptional | Sound | Sound | $244 | -0.235% | 23 | |
11 | KEYSTONE FUNDING, INC. | Strong | Sound | Exceptional | Strong | $1,703 | +0.207% | 56 | |
12 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,927 | +0.023% | 31 | |
13 | Bank of America, National Association | Strong | Strong | Strong | Sound | $386 | -0.300% | 26 | |
14 | DIGITAL | Strong | Exceptional | Acceptable | Sound | $867 | -0.127% | 26 | |
15 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $1,920 | +0.331% | 645 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,718 | +0.290% | 308 | |
17 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,055 | +0.216% | 229 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $1,650 | +0.191% | 137 | |
19 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $1,793 | +0.166% | 136 | |
20 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,293 | +0.213% | 94 | |
21 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Strong | $1,072 | +0.289% | 41 | |
22 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Sound | $1,488 | +0.255% | 22 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,525 | +0.259% | 20 | |
24 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,104 | +0.332% | 226 | |
25 | EMM LOANS LLC | Strong | Acceptable | Strong | Exceptional | $2,275 | +0.335% | 205 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,948 | +0.362% | 163 | |
27 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,790 | +0.333% | 147 | |
28 | St. Mary's Bank Credit Union | Strong | Sound | Sound | Strong | $1,120 | +0.181% | 72 | |
29 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Strong | $622 | +0.308% | 63 | |
30 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,421 | +0.193% | 36 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $2,881 | -0.227% | 35 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $2,561 | +0.129% | 34 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $4,259 | +0.137% | 62 | |
34 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | $1,556 | +0.137% | 51 | |
35 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $4,304 | +0.257% | 48 | |
36 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,725 | +0.231% | 47 | |
37 | NEW FED MORTGAGE, CORP. | Strong | Acceptable | Strong | Strong | $2,210 | +0.345% | 44 | |
38 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Sound | $3,092 | +0.232% | 34 | |
39 | TD Bank, National Association | Strong | Sound | Sound | Sound | $733 | +0.343% | 27 | |
40 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $2,380 | -0.185% | 22 | |
41 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Sound | Sound | $1,503 | -0.113% | 20 | |
42 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Sound | Strong | $3,783 | +0.458% | 99 | |
43 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $2,929 | +0.414% | 62 | |
44 | RADIUS FINANCIAL GROUP INC. | Sound | Acceptable | Strong | Sound | $3,562 | +0.125% | 28 | |
45 | MORTGAGE EQUITY PARTNERS LLC | Sound | Acceptable | Strong | Sound | $3,008 | +0.470% | 24 | |
46 | Luminate Home Loans, Inc. | Sound | Mediocre | Strong | Strong | $3,281 | +0.438% | 79 | |
47 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $1,443 | +0.250% | 37 | |
48 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,852 | +0.364% | 29 | |
49 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $2,824 | +0.428% | 40 | |
50 | Waterstone Mortgage Corporation | Sound | Mediocre | Strong | Sound | $3,388 | +0.454% | 22 |
How We Rank Lenders
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.
Our Point System (Max 30 Points)
10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
Place
Local market expertise (33%)
Data Integrity & Updates
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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