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 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $991 | +0.211% | 1,782 | |
2 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,833 | +0.173% | 898 | |
3 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,170 | +0.325% | 2,373 | |
4 | Traditions Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,801 | +0.196% | 768 | |
5 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Exceptional | $33 | -0.100% | 664 | |
6 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,151 | +0.095% | 387 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,418 | +0.260% | 5,972 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,092 | +0.203% | 2,206 | |
9 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,261 | +0.212% | 1,597 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,279 | +0.415% | 946 | |
11 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Exceptional | $957 | +0.331% | 789 | |
12 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $780 | +0.471% | 730 | |
13 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,335 | +0.344% | 578 | |
14 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $614 | +0.247% | 560 | |
15 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,186 | +0.192% | 446 | |
16 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,457 | +0.438% | 342 | |
17 | PNC Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$397 | +0.091% | 1,516 | |
18 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,215 | +0.109% | 1,338 | |
19 | Fulton Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $2,041 | +0.309% | 1,232 | |
20 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,959 | +0.424% | 1,211 | |
21 | Dollar Bank, Federal Savings Bank | Exceptional | Strong | Strong | Sound | Exceptional | $925 | +0.215% | 716 | |
22 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,711 | +0.402% | 624 | |
23 | MEMBERS 1ST | Exceptional | Strong | Sound | Strong | Exceptional | $1,307 | +0.045% | 624 | |
24 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,346 | +0.100% | 545 | |
25 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $738 | +0.065% | 343 | |
26 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,840 | +0.294% | 301 | |
27 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,582 | -0.106% | 244 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,740 | +0.432% | 11,053 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Exceptional | $2,715 | +0.433% | 1,391 | |
30 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,744 | +0.491% | 1,372 | |
31 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,390 | +0.252% | 1,179 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,514 | +0.430% | 756 | |
33 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,944 | +0.273% | 610 | |
34 | Truist Bank | Strong | Strong | Strong | Sound | Strong | $789 | +0.183% | 533 | |
35 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,044 | +0.401% | 514 | |
36 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
37 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,145 | +0.307% | 406 | |
38 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,374 | +0.280% | 301 | |
39 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
40 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,037 | +0.094% | 2,353 | |
41 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,894 | +0.399% | 1,113 | |
44 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,329 | +0.294% | 1,062 | |
45 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
46 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,001 | +0.448% | 792 | |
47 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,555 | +0.242% | 555 | |
48 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,266 | +0.234% | 460 | |
49 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,858 | +0.419% | 449 | |
50 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.523% | 423 |
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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