Safe Rate Rankings

Best Conventional 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	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Leader Bank, National AssociationBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$773Fees	0.006%Above	56
2	Bangor Savings BankBank	Exceptional	Exceptional	Exceptional	Strong	Strong	$1,179Fees	0.048%Below	41
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$353Fees	0.474%Below	37
4	NBT Bank, National AssociationBank	Exceptional	Exceptional	Strong	Strong	Sound	$849Fees	0.106%Below	21
5	Citizens Bank, National AssociationBank	Exceptional	Strong	Exceptional	Sound	Strong	$1,283Fees	0.061%Above	67
6	Institution for Savings in Newburyport and Its VicinityBank	Exceptional	Exceptional	Sound	Sound	Strong	$1,128Fees	0.215%Below	32
7	Bank of America, National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$386Fees	0.300%Below	26
8	MERRIMACK VALLEYCredit Union	Exceptional	Exceptional	Sound	Sound	Strong	$192Fees	0.193%Below	25
9	NBKC BANKBank	Exceptional	Exceptional	Strong	Sound	Sound	$244Fees	0.235%Below	23
10	NORTHEAST HOME LOAN, LLCIndependent Mortgage Company	Exceptional	Strong	Strong	Exceptional	Sound	$2,657Fees	0.542%Above	16
11	U.S. Bank National AssociationBank	Exceptional	Strong	Exceptional	Strong	Sound	$350Fees	0.065%Below	14
12	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$2,496Fees	0.186%Above	438
13	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	Exceptional	$4,718Fees	0.290%Above	308
14	LOANDEPOT.COM, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$1,650Fees	0.191%Above	137
15	HARBORONE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Strong	Strong	$2,293Fees	0.213%Above	94
16	Service Federal Credit UnionCredit Union	Strong	Exceptional	Sound	Acceptable	Strong	$771Fees	0.489%Below	79
17	DIGITALCredit Union	Strong	Exceptional	Strong	Acceptable	Sound	$867Fees	0.127%Below	26
18	Wells Fargo Bank, National AssociationBank	Strong	Strong	Exceptional	Sound	Sound	$2,525Fees	0.259%Above	20
19	The Camden National BankBank	Strong	Strong	Strong	Strong	Sound	$534Fees	0.223%Above	13
20	CMG MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$1,920Fees	0.331%Above	645
21	MOVEMENT MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,055Fees	0.216%Above	229
22	CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$3,104Fees	0.332%Above	226
23	EMM LOANS LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Exceptional	$2,275Fees	0.335%Above	205
24	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Exceptional	Strong	Sound	$2,561Fees	0.129%Above	34
25	Manufacturers and Traders Trust CompanyBank	Strong	Sound	Exceptional	Strong	Sound	$1,927Fees	0.023%Above	31
26	ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company	Strong	Sound	Exceptional	Strong	Sound	$1,488Fees	0.255%Above	22
27	MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company	Strong	Strong	Strong	Sound	Sound	$1,503Fees	0.113%Below	20
28	FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,948Fees	0.362%Above	163
29	GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,790Fees	0.333%Above	147
30	GUARANTEED RATE, INC.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$1,793Fees	0.166%Above	136
31	TOTAL MORTGAGE SERVICES, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$2,929Fees	0.414%Above	62
32	NATIONSTAR MORTGAGE LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Strong	$4,304Fees	0.257%Above	48
33	AMERANT MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Strong	Sound	Strong	$1,072Fees	0.289%Above	41
34	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Sound	Sound	$2,881Fees	0.227%Below	35
35	JEANNE D'ARC Credit UnionCredit Union	Strong	Strong	Sound	Sound	Sound	$1,133Fees	0.117%Below	15
36	Enterprise Bank and Trust CompanyBank	Strong	Strong	Sound	Sound	Sound	$1,170Fees	0.195%Below	12
37	Eastern BankBank	Strong	Strong	Sound	Sound	Sound	$1,423Fees	0.019%Above	11
38	St. Mary's Bank Credit UnionCredit Union	Strong	Sound	Sound	Sound	Strong	$1,120Fees	0.181%Above	72
39	NORTHEAST CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Strong	$622Fees	0.308%Above	63
40	KEYSTONE FUNDING, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,703Fees	0.207%Above	56
41	SALEM FIVE MORTGAGE COMPANY, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$1,556Fees	0.137%Above	51
42	NORTHPOINT MORTGAGE, INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,725Fees	0.231%Above	47
43	NEW FED MORTGAGE, CORP.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Strong	$2,210Fees	0.345%Above	44
44	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Sound	Sound	$1,421Fees	0.193%Above	36
45	PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$3,092Fees	0.232%Above	34
46	TD Bank, National AssociationBank	Strong	Sound	Strong	Sound	Sound	$733Fees	0.343%Above	27
47	Sierra Pacific Mortgage Company, Inc.Independent Mortgage Company	Strong	Acceptable	Exceptional	Strong	Sound	$2,923Fees	0.345%Above	17
48	Plains Commerce BankBank	Strong	Acceptable	Exceptional	Strong	Sound	$2,822Fees	0.076%Above	14
49	ENVOY MORTGAGE, LTDIndependent Mortgage Company	Strong	Acceptable	Strong	Sound	Strong	$3,783Fees	0.458%Above	99
50	RADIUS FINANCIAL GROUP INC.Independent Mortgage Company	Strong	Acceptable	Strong	Strong	Sound	$3,562Fees	0.125%Above	28

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 40 Points)

Pricing

Rate and fee competitiveness (25%)

Pull Through

Reliability in closing loans (25%)

Product

Specialization in the loan type (25%)

Place

Local market expertise (25%)

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.