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.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Westfield Bank | Exceptional | Exceptional | Strong | Exceptional | $927 | -0.033% | 261 | |
2 | POLISH NATIONAL CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | $614 | -0.231% | 108 | |
3 | PeoplesBank | Exceptional | Exceptional | Strong | Exceptional | $636 | -0.034% | 106 | |
4 | Florence Bank | Exceptional | Exceptional | Sound | Strong | $676 | -0.598% | 72 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $3,054 | +0.164% | 64 | |
6 | Berkshire Bank | Exceptional | Exceptional | Strong | Sound | $1,050 | -0.133% | 25 | |
7 | Liberty Bank | Exceptional | Exceptional | Strong | Sound | -$1,806 | -0.209% | 23 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,731 | +0.407% | 266 | |
9 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,037 | +0.191% | 97 | |
10 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $487 | +0.013% | 62 | |
11 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $237 | -0.538% | 35 | |
12 | GREATER SPRINGFIELD | Strong | Exceptional | Acceptable | Strong | $442 | -0.109% | 30 | |
13 | MEMBERS MORTGAGE COMPANY, INC. | Strong | Exceptional | Sound | Sound | $1,000 | +0.039% | 24 | |
14 | Country Bank for Savings | Strong | Strong | Sound | Strong | $171 | -0.220% | 44 | |
15 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Sound | $1,852 | +0.397% | 26 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Sound | $1,829 | -0.178% | 24 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | $3,845 | +0.568% | 346 | |
18 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,422 | +0.431% | 275 | |
19 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | $4,140 | +0.423% | 152 | |
20 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,103 | +0.418% | 126 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,877 | +0.476% | 56 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,138 | +0.647% | 56 | |
23 | Freedom Credit Union | Strong | Strong | Acceptable | Strong | $944 | +0.110% | 53 | |
24 | HARBORONE MORTGAGE, LLC | Strong | Sound | Strong | Strong | $2,304 | +0.257% | 49 | |
25 | NORWICH COMMERCIAL GROUP, INC. | Strong | Sound | Strong | Strong | $2,163 | +0.563% | 46 | |
26 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,027 | +0.213% | 42 | |
27 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | $1,681 | +0.200% | 39 | |
28 | Greenfield Savings Bank | Strong | Strong | Sound | Sound | $909 | -0.350% | 20 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,724 | +0.410% | 147 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $3,063 | +0.377% | 82 | |
31 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,119 | +0.007% | 27 | |
32 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $3,826 | +0.392% | 97 | |
33 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $2,089 | +0.569% | 95 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,148 | +0.669% | 79 | |
35 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | $2,802 | +0.570% | 54 | |
36 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Strong | Strong | $2,042 | +0.723% | 44 | |
37 | TD Bank, National Association | Strong | Sound | Sound | Sound | $671 | +0.501% | 20 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Strong | $2,986 | +0.687% | 140 | |
39 | TOTAL MORTGAGE SERVICES, LLC | Sound | Mediocre | Exceptional | Strong | $4,397 | +0.662% | 88 | |
40 | GUARANTEED RATE AFFINITY, LLC | Sound | Acceptable | Strong | Sound | $4,093 | +0.254% | 35 | |
41 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $2,968 | +0.300% | 35 | |
42 | MEMBER ADVANTAGE MORTGAGE, LLC | Sound | Sound | Acceptable | Sound | $3,125 | +0.207% | 22 | |
43 | SEMPER HOME LOANS, INC | Sound | Mediocre | Strong | Strong | $5,410 | +0.619% | 34 | |
44 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,169 | +0.476% | 29 | |
45 | AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | Sound | Mediocre | Strong | Sound | $5,519 | +0.624% | 25 |
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.
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