Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,706Fees | 0.023%Below | 299 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,648Fees | 0.105%Below | 176 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $356Fees | 0.138%Below | 105 | |
4 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $435Fees | 0.421%Below | 65 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,076Fees | 0.016%Above | 812 | |
6 | PENNSYLVANIA STATE EMPLOYEES Credit UnionCredit Union | Exceptional | Exceptional | Strong | Strong | Strong | $602Fees | 0.374%Below | 83 | |
7 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,002Fees | 0.246%Below | 41 | |
8 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,477Fees | 0.022%Below | 232 | |
9 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $581Fees | 0.129%Above | 90 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,620Fees | 0.238%Above | 1,398 | |
11 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,077Fees | 0.068%Above | 1,068 | |
12 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,035Fees | 0.248%Above | 551 | |
13 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,997Fees | 0.187%Above | 510 | |
14 | NJ LENDERS CORP.Independent Mortgage Company | Exceptional | Strong | Strong | Strong | Strong | $4,072Fees | 0.227%Above | 59 | |
15 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Sound | $198Fees | 0.083%Below | 49 | |
16 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,995Fees | 0.018%Below | 213 | |
17 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,179Fees | 0.001%Above | 184 | |
18 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $318Fees | 0.071%Below | 161 | |
19 | Philadelphia Mortgage Advisors, Inc.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,582Fees | 0.005%Below | 143 | |
20 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,222Fees | 0.054%Below | 118 | |
21 | Fulton Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,250Fees | 0.296%Above | 112 | |
22 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,056Fees | 0.295%Above | 1,406 | |
23 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,832Fees | 0.257%Above | 738 | |
24 | Mortgage America, Inc.Independent Mortgage Company | Strong | Sound | Strong | Sound | Exceptional | $2,051Fees | 0.138%Above | 400 | |
25 | Univest Bank and Trust Co.Bank | Strong | Sound | Strong | Sound | Exceptional | $1,762Fees | 0.185%Above | 206 | |
26 | Penn Community BankBank | Strong | Strong | — | Sound | Strong | $335Fees | 0.168%Above | 63 | |
27 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $960Fees | 0.238%Above | 62 | |
28 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $3,267Fees | 0.417%Above | 231 | |
29 | Wilmington Savings Fund Society, FSBBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,075Fees | 0.087%Below | 184 | |
30 | MERIDIAN BANKBank | Strong | Sound | Sound | Acceptable | Strong | $2,269Fees | 0.155%Above | 171 |
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.