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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $564 | +0.433% | 1,731 | |
2 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Strong | $1,094 | +0.122% | 314 | |
3 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $748 | +0.255% | 117 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,452 | +0.354% | 1,043 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $641 | +0.342% | 683 | |
6 | First Federal Savings and Loan Association of Lakewood | Exceptional | Exceptional | Sound | Sound | Exceptional | $953 | +0.255% | 588 | |
7 | KeyBank National Association | Exceptional | Exceptional | Strong | Sound | Strong | $1,246 | +0.186% | 313 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,470 | +0.587% | 210 | |
9 | Dollar Bank, Federal Savings Bank | Exceptional | Strong | Strong | Sound | Exceptional | $850 | +0.287% | 256 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,024 | +0.402% | 233 | |
11 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,742 | +0.106% | 135 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,533 | +0.456% | 2,273 | |
13 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,264 | +0.295% | 828 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,404 | +0.694% | 528 | |
15 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$598 | +0.167% | 382 | |
16 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$524 | +0.193% | 286 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,745 | +0.505% | 156 | |
18 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,157 | +0.599% | 124 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $2,020 | +0.178% | 597 | |
20 | Synergy One Lending, Inc. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,520 | +0.540% | 472 | |
21 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,246 | +0.361% | 469 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,814 | +0.322% | 230 | |
23 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Strong | $2,011 | +0.566% | 194 | |
24 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,165 | +0.417% | 189 | |
25 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,530 | +0.741% | 141 | |
26 | Premier Bank | Strong | Strong | Sound | Sound | Strong | $1,348 | +0.505% | 138 | |
27 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,758 | +0.603% | 113 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,187 | +0.264% | 349 | |
29 | UNION CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,839 | +0.254% | 246 | |
30 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,555 | +0.424% | 128 | |
31 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,472 | +0.613% | 86 | |
32 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,447 | +0.998% | 67 | |
33 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,101 | +0.669% | 2,944 | |
34 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,425 | +0.628% | 433 | |
35 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Strong | $2,613 | +0.437% | 193 | |
36 | AMERICAN PACIFIC MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Strong | $3,880 | +0.811% | 131 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,070 | +0.595% | 85 | |
38 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,367 | +0.721% | 59 | |
39 | NATIONSTAR MORTGAGE LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,777 | +0.611% | 131 | |
40 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $3,362 | +0.809% | 89 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,283 | +0.662% | 51 | |
42 | LIBERTY HOME MORTGAGE CORPORATION | Sound | Mediocre | Strong | Sound | Exceptional | $3,268 | +0.813% | 304 | |
43 | YOUR HOME FINANCIAL LLC | Sound | Mediocre | Strong | Strong | Strong | $3,077 | +0.443% | 158 | |
44 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,750 | +0.787% | 118 | |
45 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,810 | +0.732% | 70 | |
46 | Click n' Close, Inc. | Sound | Mediocre | Exceptional | Strong | Sound | $6,089 | +1.650% | 66 | |
47 | POLARIS HOME FUNDING CORP. | Sound | Mediocre | Exceptional | Strong | Sound | $4,329 | +0.720% | 49 | |
48 | ROYAL UNITED MORTGAGE LLC | Sound | Mediocre | Strong | Sound | Strong | $4,127 | +1.187% | 75 |
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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