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 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $582 | -0.117% | 80 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$928 | +0.170% | 58 | |
3 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $939 | +0.143% | 53 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $238 | -0.439% | 28 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,922 | -0.118% | 19 | |
6 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Sound | $2,812 | +0.340% | 11 | |
7 | MEMBERS 1ST | Exceptional | Strong | Strong | Strong | Strong | $1,217 | +0.101% | 75 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,950 | +0.019% | 53 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $910 | +0.020% | 34 | |
10 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $2,022 | +0.246% | 24 | |
11 | S&T Bank | Exceptional | Exceptional | Strong | Sound | Sound | $770 | -0.023% | 15 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,427 | +0.311% | 368 | |
13 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,143 | +0.270% | 71 | |
14 | Traditions Bank | Strong | Sound | Strong | Exceptional | Strong | $1,352 | +0.205% | 52 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,300 | +0.028% | 43 | |
16 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,020 | +0.103% | 27 | |
17 | Farmers and Merchants Trust Company of Chambersburg | Strong | Strong | Strong | Strong | Sound | $998 | +0.140% | 21 | |
18 | Mortgage America, Inc. | Strong | Sound | Exceptional | Exceptional | Sound | $2,375 | +0.453% | 15 | |
19 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,979 | +0.247% | 523 | |
20 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,478 | +0.192% | 285 | |
21 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,891 | +0.474% | 161 | |
22 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,671 | +0.148% | 150 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,821 | +0.273% | 104 | |
24 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $2,682 | +0.345% | 66 | |
25 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Strong | $3,406 | +0.077% | 47 | |
26 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Strong | $1,967 | +0.606% | 41 | |
27 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $379 | +0.204% | 33 | |
28 | Northwest Bank | Strong | Strong | Strong | Sound | Sound | $1,963 | +0.119% | 23 | |
29 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,250 | +0.027% | 12 | |
30 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,258 | +0.702% | 11 | |
31 | The Ephrata National Bank | Strong | Acceptable | Strong | Strong | Exceptional | $2,946 | +0.173% | 157 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,703 | +0.323% | 144 | |
33 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,171 | +0.447% | 104 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,187 | +0.313% | 70 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,472 | +0.233% | 62 | |
36 | Orrstown Bank | Strong | Sound | Sound | Strong | Strong | $1,726 | +0.273% | 52 | |
37 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,548 | +0.211% | 43 | |
38 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,841 | +0.525% | 40 | |
39 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,550 | +0.497% | 36 | |
40 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,478 | +0.250% | 148 | |
41 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,015 | +0.289% | 137 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $4,134 | +0.357% | 50 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,910 | +0.650% | 39 | |
44 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,360 | +0.280% | 37 | |
45 | Sierra Pacific Mortgage Company, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,737 | +0.136% | 24 | |
46 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,140 | +0.214% | 22 | |
47 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,621 | +0.210% | 21 | |
48 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,370 | +0.155% | 15 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $4,204 | +0.472% | 14 | |
50 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $5,120 | +0.684% | 12 |
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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