Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Embassy Bank For The Lehigh ValleyBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $658Fees | 0.117%Below | 172 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $946Fees | 0.306%Below | 58 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $570Fees | 0.111%Below | 36 | |
4 | Mortgage America, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,135Fees | 0.251%Above | 309 | |
5 | ESSA Bank & TrustBank | Exceptional | Exceptional | Sound | Strong | Strong | $179Fees | 0.226%Above | 86 | |
6 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $48Credit | 0.113%Above | 82 | |
7 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $452Fees | 0.141%Above | 75 | |
8 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,866Fees | 0.093%Below | 53 | |
9 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Sound | $810Fees | 0.030%Below | 40 | |
10 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,153Fees | 0.097%Above | 144 | |
11 | First Commonwealth Federal Credit UnionCredit Union | Exceptional | Strong | Sound | Strong | Exceptional | $862Fees | 0.140%Above | 108 | |
12 | The Fidelity Deposit and Discount BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,536Fees | 0.327%Above | 95 | |
13 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $2,065Fees | 0.120%Above | 33 | |
14 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,623Fees | 0.028%Below | 31 | |
15 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,609Fees | 0.100%Above | 30 | |
16 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,217Fees | 0.438%Above | 788 | |
17 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,070Fees | 0.188%Above | 543 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,887Fees | 0.347%Above | 125 | |
19 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,944Fees | 0.257%Above | 93 | |
20 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,461Fees | 0.198%Above | 21 | |
21 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,734Fees | 0.566%Above | 785 | |
22 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,598Fees | 0.284%Above | 299 | |
23 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,652Fees | 0.555%Above | 239 | |
24 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,865Fees | 0.496%Above | 231 | |
25 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,540Fees | 0.344%Above | 216 | |
26 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,966Fees | 0.355%Above | 128 | |
27 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Strong | Strong | $1,451Fees | 0.265%Above | 74 | |
28 | Quaint Oak Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,227Fees | 0.456%Above | 68 | |
29 | V.I.P. MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,429Fees | 0.387%Above | 54 | |
30 | Community Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $7Fees | 0.980%Above | 34 | |
31 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,955Fees | 0.676%Above | 31 | |
32 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Strong | Strong | Sound | Sound | $2,068Fees | 0.201%Below | 25 | |
33 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,700Fees | 0.494%Above | 19 | |
34 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,136Fees | 0.307%Above | 19 | |
35 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Sound | $303Fees | 0.240%Above | 19 | |
36 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Exceptional | $2,657Fees | 0.428%Above | 310 | |
37 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,828Fees | 0.342%Above | 108 | |
38 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,370Fees | 0.408%Above | 107 | |
39 | Firstrust Savings BankBank | Strong | Sound | Sound | Sound | Exceptional | $2,240Fees | 0.431%Above | 102 | |
40 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,365Fees | 0.323%Above | 91 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,175Fees | 0.521%Above | 90 | |
42 | Fulton Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,690Fees | 0.356%Above | 84 | |
43 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,250Fees | 0.234%Above | 79 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIPIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,934Fees | 0.474%Above | 64 | |
45 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,151Fees | 0.581%Above | 48 | |
46 | NexBankBank | Strong | Sound | Strong | Strong | Sound | $3,514Fees | 0.233%Above | 25 | |
47 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,345Fees | 0.678%Above | 86 | |
48 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,478Fees | 0.454%Above | 60 | |
49 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,125Fees | 0.476%Above | 60 | |
50 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,577Fees | 0.522%Above | 41 |
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.