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 | Marquette Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $432 | +0.056% | 318 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $864 | +0.272% | 56 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | -$5 | -0.388% | 17 | |
4 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $479 | +0.125% | 12 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $220 | +0.296% | 35 | |
6 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,502 | +0.424% | 15 | |
7 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,098 | +0.116% | 12 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,055 | +0.417% | 252 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,286 | +0.618% | 202 | |
10 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,667 | +0.453% | 49 | |
11 | Northwest Bank | Strong | Strong | Strong | Sound | Strong | $674 | +0.342% | 42 | |
12 | Widget Federal Credit Union | Strong | Exceptional | Acceptable | Sound | Strong | $676 | -0.107% | 39 | |
13 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $854 | +0.209% | 19 | |
14 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Strong | $2,487 | +0.314% | 87 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,408 | +0.481% | 54 | |
16 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $550 | -0.454% | 25 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,152 | +0.670% | 16 | |
18 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,473 | +0.470% | 107 | |
19 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,702 | +0.289% | 66 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,074 | +0.532% | 60 | |
21 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,759 | +0.414% | 45 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $1,254 | -0.155% | 10 | |
23 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Strong | $1,753 | +0.714% | 53 | |
24 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,027 | +0.433% | 19 | |
25 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,458 | +0.722% | 17 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,996 | +0.736% | 11 | |
27 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,867 | -0.119% | 17 | |
28 | ERIE FEDERAL CREDIT UNION | Sound | Acceptable | Sound | Sound | Strong | $0 | +0.343% | 57 | |
29 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $2,427 | +0.745% | 36 |
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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