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 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,418 | +0.260% | 5,972 | |
2 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,188 | +0.323% | 2,234 | |
3 | NEWREZ LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,715 | +0.433% | 1,391 | |
4 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Exceptional | $957 | +0.331% | 789 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,457 | +0.438% | 342 | |
6 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,120 | +0.375% | 2,047 | |
7 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,347 | +0.344% | 829 | |
8 | EQUITY RESOURCES, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,234 | +0.299% | 616 | |
9 | MERIDIAN BANK | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,346 | +0.100% | 545 | |
10 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,858 | +0.419% | 449 | |
11 | Mortgage America, Inc. | Strong | Sound | Strong | Strong | Exceptional | $2,261 | +0.212% | 1,597 | |
12 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,711 | +0.402% | 624 | |
13 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Strong | $3,044 | +0.401% | 514 | |
14 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,915 | +0.496% | 505 | |
15 | Northwest Bank | Strong | Strong | Sound | Strong | Strong | $1,037 | +0.314% | 358 | |
16 | First Columbia Bank & Trust Co. | Strong | Strong | Strong | Sound | Strong | $778 | -0.247% | 309 | |
17 | SOMERSET TRUST COMPANY | Strong | Strong | Strong | Sound | Strong | $600 | -0.057% | 280 | |
18 | First National Bank of Pennsylvania | Strong | Sound | Strong | Sound | Exceptional | $991 | +0.211% | 1,782 | |
19 | Fulton Bank, National Association | Strong | Sound | — | Strong | Exceptional | $2,041 | +0.309% | 1,232 | |
20 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $2,514 | +0.430% | 756 | |
21 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | — | Strong | Exceptional | $1,944 | +0.273% | 610 | |
22 | Union Savings Bank | Strong | Sound | Strong | Strong | Strong | $1,151 | +0.095% | 387 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,555 | +0.242% | 555 | |
24 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,705 | +0.715% | 353 | |
25 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,860 | +0.309% | 324 | |
26 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,005 | +0.453% | 316 | |
27 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,840 | +0.294% | 301 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,755 | +0.454% | 6,270 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,827 | +0.358% | 3,389 | |
30 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,032 | +0.514% | 1,464 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,744 | +0.491% | 1,372 | |
32 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Sound | Exceptional | $2,390 | +0.252% | 1,179 | |
33 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,200 | +0.575% | 988 | |
34 | Jersey Shore State Bank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,162 | +0.617% | 383 | |
35 | RADIUS FINANCIAL GROUP INC. | Strong | Acceptable | Strong | Strong | Strong | $3,753 | +0.591% | 327 | |
36 | TIDEWATER MORTGAGE SERVICES, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,135 | +0.447% | 288 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,894 | +0.399% | 1,113 |
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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