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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Strong | -$2,433 | -0.498% | 91 | |
2 | POLICE & FIRE | Exceptional | Exceptional | Strong | Sound | Exceptional | $199 | +0.170% | 305 | |
3 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,294 | -0.086% | 171 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $875 | -0.408% | 122 | |
5 | Customers Bank | Exceptional | Exceptional | Sound | Exceptional | Strong | $846 | -0.181% | 78 | |
6 | Wilmington Savings Fund Society, FSB | Exceptional | Strong | Strong | Strong | Exceptional | -$1,104 | -0.112% | 458 | |
7 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $400 | +0.055% | 263 | |
8 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,129 | +0.008% | 191 | |
9 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,542 | -0.066% | 189 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$120 | +0.103% | 103 | |
11 | ESSA Bank & Trust | Exceptional | Exceptional | Sound | Strong | Strong | -$3,200 | +0.047% | 86 | |
12 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $554 | -0.301% | 37 | |
13 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,276 | +0.026% | 244 | |
14 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,617 | +0.479% | 60 | |
15 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | -$1,214 | -0.011% | 54 | |
16 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $270 | -0.513% | 50 | |
17 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $1,153 | -0.027% | 45 | |
18 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,503 | -0.133% | 40 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,937 | +0.389% | 1,404 | |
20 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,672 | +0.275% | 835 | |
21 | Quaint Oak Mortgage, LLC | Strong | Sound | Strong | Strong | Exceptional | $2,851 | +0.275% | 301 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,909 | -0.008% | 301 | |
23 | MERIDIAN BANK | Strong | Sound | Strong | Strong | Exceptional | $2,125 | +0.031% | 228 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,934 | +0.316% | 169 | |
25 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,759 | +0.358% | 83 | |
26 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,147 | +0.481% | 67 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,902 | +0.372% | 1,558 | |
28 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,440 | +0.356% | 1,125 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,160 | +0.060% | 1,097 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,920 | +0.339% | 671 | |
31 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Sound | Exceptional | $2,385 | +0.493% | 278 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,650 | +0.245% | 226 | |
33 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $2,537 | -0.018% | 177 | |
34 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Strong | $2,081 | -0.011% | 142 | |
35 | PHILADELPHIA FEDERAL CREDIT UNION | Strong | Strong | Sound | Sound | Strong | $545 | +0.079% | 68 | |
36 | State Financial Network, LLC | Strong | Strong | Sound | Sound | Strong | $733 | +0.013% | 50 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $872 | +0.105% | 39 | |
38 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $1,107 | +0.016% | 37 | |
39 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.332% | 290 | |
40 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | -$480 | +0.166% | 192 | |
41 | First Citizens Community Bank | Strong | Sound | Sound | Sound | Exceptional | $2,239 | +0.018% | 184 | |
42 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,849 | +0.385% | 144 | |
43 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $1,769 | +0.361% | 133 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,570 | +0.437% | 108 | |
45 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $2,338 | +0.287% | 94 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,301 | +0.237% | 83 | |
47 | KEYSTONE FUNDING, INC. | Strong | Acceptable | Strong | Strong | Strong | $2,196 | +0.435% | 152 | |
48 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Strong | Strong | Strong | $2,723 | +0.392% | 139 | |
49 | NATIONS DIRECT MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,862 | +0.354% | 79 |
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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