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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Westfield Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $927 | -0.033% | 261 | |
2 | PeoplesBank | Exceptional | Exceptional | Strong | Strong | Exceptional | $636 | -0.034% | 106 | |
3 | POLISH NATIONAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $614 | -0.231% | 108 | |
4 | Florence Bank | Exceptional | Exceptional | Strong | Strong | Strong | $676 | -0.598% | 72 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $3,054 | +0.164% | 64 | |
6 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,148 | +0.065% | 16 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $237 | -0.538% | 35 | |
8 | Liberty Bank | Exceptional | Exceptional | Strong | Strong | Sound | -$1,806 | -0.209% | 23 | |
9 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,037 | +0.191% | 97 | |
10 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $487 | +0.013% | 62 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,829 | -0.178% | 24 | |
12 | MEMBERS MORTGAGE COMPANY, INC. | Exceptional | Exceptional | Strong | Sound | Sound | $1,000 | +0.039% | 24 | |
13 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,556 | +0.225% | 11 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,422 | +0.431% | 275 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,731 | +0.407% | 266 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,877 | +0.476% | 56 | |
17 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,304 | +0.257% | 49 | |
18 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,027 | +0.213% | 42 | |
19 | GREATER SPRINGFIELD | Strong | Exceptional | Acceptable | Sound | Strong | $442 | -0.109% | 30 | |
20 | Berkshire Bank | Strong | Exceptional | Sound | Sound | Sound | $1,050 | -0.133% | 25 | |
21 | Greenfield Savings Bank | Strong | Strong | Strong | Strong | Sound | $909 | -0.350% | 20 | |
22 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $3,011 | +0.339% | 15 | |
23 | BAYCOAST MORTGAGE COMPANY, LLC | Strong | Strong | Strong | Strong | Sound | $906 | +0.158% | 13 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,845 | +0.568% | 346 | |
25 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,140 | +0.423% | 152 | |
26 | Freedom Credit Union | Strong | Strong | Sound | Sound | Strong | $944 | +0.110% | 53 | |
27 | Country Bank for Savings | Strong | Strong | Sound | Sound | Strong | $171 | -0.220% | 44 | |
28 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,681 | +0.200% | 39 | |
29 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,852 | +0.397% | 26 | |
30 | FIRST WORLD MORTGAGE CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $3,572 | +0.484% | 18 | |
31 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $922 | +0.235% | 11 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,724 | +0.410% | 147 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,103 | +0.418% | 126 | |
34 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,397 | +0.662% | 88 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,063 | +0.377% | 82 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,148 | +0.669% | 79 | |
37 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,138 | +0.647% | 56 | |
38 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $2,042 | +0.723% | 44 | |
39 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,119 | +0.007% | 27 | |
40 | CIBM Bank | Strong | Sound | Strong | Strong | Sound | $3,902 | +0.442% | 16 | |
41 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,986 | +0.687% | 140 | |
42 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,826 | +0.392% | 97 | |
43 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $2,802 | +0.570% | 54 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,968 | +0.300% | 35 | |
45 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $671 | +0.501% | 20 | |
46 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,122 | +0.553% | 19 | |
47 | WILLIAM RAVEIS MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $3,251 | +0.507% | 19 | |
48 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,779 | +1.357% | 15 | |
49 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,008 | +0.471% | 15 | |
50 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,189 | +0.512% | 11 |
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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