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 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$799 | +0.057% | 23 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $10 | -0.329% | 13 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $550 | -0.035% | 11 | |
4 | Traditions Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,125 | +0.255% | 71 | |
5 | ACNB Bank | Exceptional | Strong | Sound | Strong | Exceptional | $1,056 | +0.025% | 53 | |
6 | MEMBERS 1ST | Exceptional | Strong | Strong | Strong | Strong | $1,158 | -0.003% | 21 | |
7 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | -$141 | +0.222% | 11 | |
8 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $5,003 | +0.422% | 88 | |
9 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,160 | +0.500% | 77 | |
10 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,121 | +0.445% | 62 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,771 | -0.062% | 33 | |
12 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.438% | 35 | |
13 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,531 | +0.726% | 31 | |
14 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,889 | +0.312% | 30 | |
15 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,719 | +0.282% | 16 | |
16 | BAY CAPITAL MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,268 | +0.233% | 29 | |
17 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $4,680 | +0.357% | 26 | |
18 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,624 | +0.520% | 19 | |
19 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Sound | $2,253 | +0.329% | 13 | |
20 | Orrstown Bank | Strong | Sound | Sound | Strong | Sound | $1,106 | +0.031% | 10 | |
21 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,714 | +0.321% | 18 | |
22 | FIRST HOME MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,734 | +0.728% | 17 | |
23 | Towne Bank | Strong | Acceptable | Strong | Strong | Sound | $2,338 | +0.302% | 11 | |
24 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Acceptable | $3,735 | +0.510% | 10 |
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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