Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,398Fees | 0.085%Below | 282 | |
2 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Strong | Exceptional | Strong | $127Credit | 0.345%Below | 51 | |
3 | POLICE & FIRECredit Union | Exceptional | Exceptional | Strong | Sound | Exceptional | $293Fees | 0.071%Below | 180 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Strong | $592Fees | 0.519%Below | 155 | |
5 | PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $602Fees | 0.374%Below | 83 | |
6 | Mortgage America, Inc.Independent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,051Fees | 0.138%Above | 400 | |
7 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,706Fees | 0.023%Below | 299 | |
8 | Wilmington Savings Fund Society, FSBBank | Exceptional | Strong | Strong | Strong | Exceptional | $2,075Fees | 0.087%Below | 184 | |
9 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,648Fees | 0.105%Below | 176 | |
10 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $318Fees | 0.071%Below | 161 | |
11 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,222Fees | 0.054%Below | 118 | |
12 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $356Fees | 0.138%Below | 105 | |
13 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $581Fees | 0.129%Above | 90 | |
14 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $435Fees | 0.421%Below | 65 | |
15 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $960Fees | 0.238%Above | 62 | |
16 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $4,072Fees | 0.227%Above | 59 | |
17 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,002Fees | 0.246%Below | 41 | |
18 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,477Fees | 0.022%Below | 232 | |
19 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $401Fees | 0.184%Below | 45 | |
20 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Sound | Strong | $149Fees | 0.168%Below | 43 | |
21 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,620Fees | 0.238%Above | 1,398 | |
22 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,077Fees | 0.068%Above | 1,068 | |
23 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Exceptional | $1,997Fees | 0.187%Above | 510 | |
24 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,069Fees | 0.252%Above | 256 | |
25 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,995Fees | 0.018%Below | 213 | |
26 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Strong | Exceptional | $1,762Fees | 0.185%Above | 206 | |
27 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,233Fees | 0.360%Above | 84 | |
28 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,631Fees | 0.210%Above | 81 | |
29 | Filo Mortgage, L.L.C.Independent Mortgage Company | Strong | Strong | Strong | Sound | Strong | $1,611Fees | 0.116%Above | 68 | |
30 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056Fees | 0.295%Above | 1,406 | |
31 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,076Fees | 0.016%Above | 812 | |
32 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,832Fees | 0.257%Above | 738 | |
33 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,035Fees | 0.248%Above | 551 | |
34 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,047Fees | 0.255%Above | 513 | |
35 | MERIDIAN BANKBank | Strong | Sound | Strong | Strong | Strong | $2,269Fees | 0.155%Above | 171 | |
36 | Philadelphia Mortgage Advisors, Inc.Independent Mortgage Company | Strong | Sound | Sound | Strong | Exceptional | $3,582Fees | 0.005%Below | 143 | |
37 | Quaint Oak Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $3,698Fees | 0.038%Above | 71 | |
38 | BAY EQUITY LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,181Fees | 0.012%Above | 56 | |
39 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Sound | $198Fees | 0.083%Below | 49 | |
40 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,351Fees | 0.272%Above | 288 | |
41 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,931Fees | 0.218%Above | 241 | |
42 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,179Fees | 0.001%Above | 184 | |
43 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Strong | $2,105Fees | 0.158%Above | 177 | |
44 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,279Fees | 0.275%Above | 176 | |
45 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,674Fees | 0.299%Above | 141 | |
46 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $4,435Fees | 0.335%Above | 136 | |
47 | Fulton Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,250Fees | 0.296%Above | 112 | |
48 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,774Fees | 0.138%Above | 99 | |
49 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,175Fees | 0.150%Above | 97 | |
50 | PIKE CREEK MORTGAGE SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $4,466Fees | 0.229%Above | 76 |
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.