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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Farmers and Merchants Trust Company of Chambersburg | Exceptional | Strong | Strong | Strong | Exceptional | $900 | +0.276% | 76 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $941 | -0.443% | 23 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $447 | -0.149% | 16 | |
4 | PATRIOT | Exceptional | Strong | Sound | Strong | Exceptional | $903 | +0.006% | 68 | |
5 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,224 | +0.384% | 138 | |
6 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $1,214 | +0.204% | 27 | |
7 | ACNB Bank | Strong | Strong | Sound | Strong | Strong | $1,081 | +0.216% | 21 | |
8 | MEMBERS 1ST | Strong | Strong | Strong | Strong | Sound | $795 | -0.074% | 17 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,970 | +0.125% | 13 | |
10 | CORNING CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $1,603 | -0.223% | 10 | |
11 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,071 | +0.502% | 87 | |
12 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,259 | +0.272% | 71 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,549 | +0.685% | 68 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,750 | -0.013% | 48 | |
15 | Orrstown Bank | Strong | Sound | Sound | Strong | Exceptional | $1,474 | +0.358% | 44 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,546 | -0.052% | 17 | |
17 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,653 | +0.604% | 94 | |
18 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,140 | +0.117% | 17 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $1,733 | +0.245% | 10 | |
20 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,262 | +0.489% | 49 | |
21 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,449 | +0.340% | 21 | |
22 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $1,881 | +0.450% | 19 | |
23 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,822 | +0.392% | 17 | |
24 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,476 | +0.120% | 15 | |
25 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $4,000 | +0.325% | 11 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,830 | +0.279% | 11 | |
27 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,442 | +0.428% | 20 | |
28 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,241 | +0.429% | 15 | |
29 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,504 | +0.596% | 12 | |
30 | DIRECT MORTGAGE LOANS, LLC | Sound | Mediocre | Strong | Strong | Strong | $4,687 | +0.807% | 41 | |
31 | ENVOY MORTGAGE, LTD | Sound | Acceptable | Strong | Sound | Sound | $1,411 | +0.531% | 12 | |
32 | Community State Bank of Orbisonia | Sound | Acceptable | Acceptable | Sound | Sound | $656 | -0.028% | 13 |
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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