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 | Marquette Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $450 | +0.061% | 454 | |
2 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Exceptional | $573 | -0.101% | 1,129 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $1,311 | -0.068% | 854 | |
4 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $991 | +0.211% | 1,782 | |
5 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$397 | +0.091% | 1,516 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $590 | -0.411% | 990 | |
7 | S&T Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | -$83 | +0.198% | 537 | |
8 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Exceptional | $239 | +0.085% | 511 | |
9 | ESSA Bank & Trust | Exceptional | Exceptional | Sound | Strong | Exceptional | -$175 | +0.247% | 332 | |
10 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,261 | +0.212% | 1,597 | |
11 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,967 | +0.099% | 1,350 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,215 | +0.109% | 1,338 | |
13 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
14 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Strong | Exceptional | $33 | -0.100% | 664 | |
15 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,608 | -0.050% | 627 | |
16 | MEMBERS 1ST | Exceptional | Strong | Strong | Strong | Exceptional | $1,307 | +0.045% | 624 | |
17 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $789 | +0.183% | 533 | |
18 | The Fidelity Deposit and Discount Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,570 | +0.247% | 365 | |
19 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $738 | +0.065% | 343 | |
20 | First Columbia Bank & Trust Co. | Exceptional | Strong | Strong | Exceptional | Strong | $778 | -0.247% | 309 | |
21 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
22 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
23 | First Commonwealth Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $957 | +0.331% | 789 | |
24 | Traditions Bank | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,801 | +0.196% | 768 | |
25 | SOMERSET TRUST COMPANY | Exceptional | Strong | Strong | Strong | Strong | $600 | -0.057% | 280 | |
26 | Farmers and Merchants Trust Company of Chambersburg | Exceptional | Strong | Strong | Strong | Strong | $1,149 | +0.136% | 259 | |
27 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
28 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
29 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,092 | +0.203% | 2,206 | |
30 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,134 | +0.163% | 1,223 | |
31 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $1,833 | +0.173% | 898 | |
32 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $925 | +0.215% | 716 | |
33 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,234 | +0.299% | 616 | |
34 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
35 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
36 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,346 | +0.100% | 545 | |
37 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,266 | +0.234% | 460 | |
38 | Union Savings Bank | Strong | Sound | Exceptional | Strong | Strong | $1,151 | +0.095% | 387 | |
39 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,457 | +0.438% | 342 | |
40 | Community Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $238 | +0.812% | 279 | |
41 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,014 | +0.111% | 278 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
43 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
44 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
45 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
47 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
48 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,744 | +0.491% | 1,372 | |
49 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,041 | +0.309% | 1,232 | |
50 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,390 | +0.252% | 1,179 |
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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