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 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,147 | +0.041% | 340 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $489 | -0.470% | 47 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,185 | +0.182% | 31 | |
4 | UniBank for Savings | Exceptional | Exceptional | Sound | Sound | Exceptional | -$6 | -0.339% | 127 | |
5 | DIGITAL | Exceptional | Exceptional | Strong | Acceptable | Exceptional | $1,163 | -0.023% | 113 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$178 | +0.028% | 76 | |
7 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,675 | -0.142% | 60 | |
8 | Easthampton Savings Bank | Exceptional | Strong | Strong | Strong | Strong | $448 | +0.088% | 78 | |
9 | BAYCOAST MORTGAGE COMPANY, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,257 | -0.088% | 76 | |
10 | Cornerstone Bank | Exceptional | Exceptional | Sound | Acceptable | Exceptional | $715 | -0.032% | 74 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,987 | +0.111% | 63 | |
12 | Berkshire Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,191 | -0.137% | 41 | |
13 | The Bank of Canton | Exceptional | Exceptional | Sound | Sound | Strong | $711 | +0.064% | 31 | |
14 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $418 | -0.199% | 28 | |
15 | Cambridge Savings Bank | Exceptional | Exceptional | Sound | Strong | Sound | $619 | -0.007% | 18 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,368 | +0.272% | 659 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,995 | +0.433% | 603 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,973 | +0.307% | 114 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,855 | -0.031% | 77 | |
20 | HARBORONE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,543 | +0.181% | 74 | |
21 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $1,880 | +0.161% | 73 | |
22 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $971 | -0.087% | 52 | |
23 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $853 | +0.028% | 51 | |
24 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $884 | +0.102% | 41 | |
25 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,580 | +0.149% | 19 | |
26 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,993 | +0.268% | 430 | |
27 | TOTAL MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,725 | +0.628% | 413 | |
28 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,465 | +0.396% | 302 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,934 | +0.578% | 278 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,996 | +0.494% | 247 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,514 | +0.431% | 246 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,754 | +0.377% | 192 | |
33 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,159 | -0.034% | 65 | |
34 | Country Bank for Savings | Strong | Strong | Sound | Sound | Strong | $720 | -0.127% | 61 | |
35 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Strong | $1,293 | +0.316% | 49 | |
36 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,992 | +0.492% | 32 | |
37 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,715 | +0.420% | 22 | |
38 | Colorado Federal Savings Bank | Strong | Strong | Strong | Sound | Sound | $1,235 | -0.039% | 18 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,387 | +0.551% | 195 | |
40 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,783 | +0.498% | 75 | |
41 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,982 | +0.388% | 74 | |
42 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,082 | +0.346% | 53 | |
43 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,155 | +0.227% | 45 | |
44 | AMERANT MORTGAGE, LLC | Strong | Sound | Strong | Sound | Strong | $1,789 | +0.380% | 44 | |
45 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Sound | $6,110 | +0.824% | 36 | |
46 | CIBM Bank | Strong | Sound | Strong | Strong | Sound | $2,144 | +0.443% | 18 | |
47 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,361 | +0.447% | 121 | |
48 | SALEM FIVE MORTGAGE COMPANY, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,788 | +0.127% | 89 | |
49 | NORTHPOINT MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | Strong | $3,847 | +0.404% | 86 | |
50 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $4,544 | +0.560% | 72 |
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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