Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | POLICE & FIRECredit Union | Exceptional | Exceptional | Strong | Exceptional | $293Fees | 0.071%Below | 180 | |
2 | OceanFirst Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | $127Credit | 0.345%Below | 51 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P.Independent Mortgage Company | Exceptional | Exceptional | Sound | Exceptional | $1,398Fees | 0.085%Below | 282 | |
4 | PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | $602Fees | 0.374%Below | 83 | |
5 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Strong | $435Fees | 0.421%Below | 65 | |
6 | Wilmington Savings Fund Society, FSBBank | Exceptional | Strong | Strong | Exceptional | $2,075Fees | 0.087%Below | 184 | |
7 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $592Fees | 0.519%Below | 155 | |
8 | CITADEL FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $664Fees | 0.152%Above | 93 | |
9 | PINNACLE MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Sound | Strong | $149Fees | 0.168%Below | 43 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,077Fees | 0.068%Above | 1,068 | |
11 | Mortgage America, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,051Fees | 0.138%Above | 400 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Sound | Exceptional | $1,706Fees | 0.023%Below | 299 | |
13 | KEYSTONE FUNDING, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $2,351Fees | 0.272%Above | 288 | |
14 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Strong | $1,477Fees | 0.022%Below | 232 | |
15 | Bank of America, National AssociationBank | Strong | Strong | Strong | Strong | $1,648Fees | 0.105%Below | 176 | |
16 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Strong | $318Fees | 0.071%Below | 161 | |
17 | U.S. Bank National AssociationBank | Strong | Strong | Strong | Strong | $356Fees | 0.138%Below | 105 | |
18 | Truist BankBank | Strong | Strong | Strong | Strong | $581Fees | 0.129%Above | 90 | |
19 | The Huntington National BankBank | Strong | Strong | Strong | Strong | $960Fees | 0.238%Above | 62 | |
20 | NJ LENDERS CORP.Independent Mortgage Company | Strong | Strong | Strong | Strong | $4,072Fees | 0.227%Above | 59 | |
21 | NBKC BANKBank | Strong | Exceptional | Sound | Sound | $401Fees | 0.184%Below | 45 | |
22 | Citibank, National AssociationBank | Strong | Exceptional | Sound | Sound | $1,002Fees | 0.246%Below | 41 | |
23 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,076Fees | 0.016%Above | 812 | |
24 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Exceptional | $1,997Fees | 0.187%Above | 510 | |
25 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Exceptional | $1,762Fees | 0.185%Above | 206 | |
26 | MERIDIAN BANKBank | Strong | Sound | Exceptional | Strong | $2,269Fees | 0.155%Above | 171 | |
27 | First Citizens Community BankBank | Strong | Sound | Strong | Exceptional | $2,413Fees | 0.152%Above | 160 | |
28 | Philadelphia Mortgage Advisors, Inc.Independent Mortgage Company | Strong | Sound | Strong | Exceptional | $3,582Fees | 0.005%Below | 143 | |
29 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,774Fees | 0.138%Above | 99 | |
30 | Mid Penn BankBank | Strong | Strong | Sound | Strong | $1,219Fees | 0.219%Above | 89 | |
31 | Advisors Mortgage Group, L.L.C.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $3,233Fees | 0.360%Above | 84 | |
32 | Penn Community BankBank | Strong | Strong | Sound | Strong | $335Fees | 0.168%Above | 63 | |
33 | Manufacturers and Traders Trust CompanyBank | Strong | Strong | Strong | Sound | $198Fees | 0.083%Below | 49 | |
34 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $4,620Fees | 0.238%Above | 1,398 | |
35 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,035Fees | 0.248%Above | 551 | |
36 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,047Fees | 0.255%Above | 513 | |
37 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | $3,069Fees | 0.252%Above | 256 | |
38 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,995Fees | 0.018%Below | 213 | |
39 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Strong | $2,105Fees | 0.158%Above | 177 | |
40 | ALLIED MORTGAGE GROUP, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,961Fees | 0.287%Above | 160 | |
41 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $1,222Fees | 0.054%Below | 118 | |
42 | Fulton Bank, National AssociationBank | Strong | Sound | Strong | Strong | $2,250Fees | 0.296%Above | 112 | |
43 | Firstrust Savings BankBank | Strong | Sound | Strong | Strong | $1,342Fees | 0.125%Above | 87 | |
44 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $4,056Fees | 0.295%Above | 1,406 | |
45 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $2,832Fees | 0.257%Above | 738 | |
46 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,931Fees | 0.218%Above | 241 | |
47 | LENDING CAPITAL GROUP IncIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,643Fees | 0.438%Above | 210 | |
48 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,279Fees | 0.275%Above | 176 | |
49 | NFM, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,934Fees | 0.335%Above | 140 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $2,175Fees | 0.150%Above | 97 |
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.