Safe Rate Rankings

Best All Lender Mortgage Lenders in Rockingham County

Updated May 22, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders74

Total Loans4,673

Median Rate Spread0.19%

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

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

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.