Safe Rate Rankings

Best All Lender Mortgage Lenders in Elizabethtown

Updated May 21, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders33

Total Loans1,310

Median Rate Spread0.22%

Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	Abound Federal Credit UnionCredit Union	Exceptional	Exceptional	Strong	Exceptional	$221Credit	0.181%Below	122
2	SOUTH CENTRAL BANK, INC.Bank	Exceptional	Strong	Strong	Exceptional	$1,131Fees	0.110%Above	121
3	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Sound	Strong	$307Fees	0.475%Below	33
4	UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company	Strong	Sound	Exceptional	Exceptional	$1,674Fees	0.008%Above	236
5	German American BankBank	Strong	Strong	Sound	Strong	$1,301Fees	0.098%Above	24
6	ROCKET MORTGAGE, LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Exceptional	$3,826Fees	0.276%Above	123
7	Northpointe BankBank	Strong	Sound	Strong	Strong	$2,749Fees	0.160%Above	52
8	The Cecilian BankBank	Strong	Sound	Sound	Exceptional	$1,723Fees	0.118%Below	46
9	FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company	Strong	Sound	Strong	Strong	$2,401Fees	0.206%Above	43
10	INSPIRE HOME LOANS INC.Independent Mortgage Company	Strong	Sound	Strong	Strong	$858Fees	0.115%Below	41
11	PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company	Strong	Sound	Strong	Strong	$1,750Fees	0.143%Below	31
12	Mortgage Research Center, LLCIndependent Mortgage Company	Strong	Acceptable	Strong	Exceptional	$583Credit	0.981%Above	116
13	JPMorgan Chase Bank, National AssociationBank	Strong	Sound	Strong	Sound	$2,225Fees	0.321%Above	20
14	T2 FINANCIAL LLCIndependent Mortgage Company	Strong	Acceptable	Exceptional	Sound	$2,775Fees	0.577%Above	22

How We Rank Lenders

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.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

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.