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 | Customers Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $846 | -0.181% | 78 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,440 | +0.356% | 1,125 | |
3 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Exceptional | -$1,104 | -0.112% | 458 | |
4 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Strong | $2,081 | -0.011% | 142 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,672 | +0.275% | 835 | |
6 | Mortgage America, Inc. | Exceptional | Strong | Strong | Strong | Exceptional | $2,129 | +0.008% | 191 | |
7 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,239 | +0.018% | 184 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $1,769 | +0.361% | 133 | |
9 | ALLIED MORTGAGE GROUP, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,385 | +0.493% | 278 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $400 | +0.055% | 263 | |
11 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,125 | +0.031% | 228 | |
12 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,650 | +0.245% | 226 | |
13 | KEYSTONE FUNDING, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,196 | +0.435% | 152 | |
14 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,937 | +0.389% | 1,404 | |
15 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$480 | +0.166% | 192 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,934 | +0.316% | 169 | |
17 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$120 | +0.103% | 103 | |
18 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,338 | +0.287% | 94 | |
19 | Advisors Mortgage Group, L.L.C. | Strong | Sound | Exceptional | Strong | Strong | $2,759 | +0.358% | 83 | |
20 | NATIONS DIRECT MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | Strong | $1,862 | +0.354% | 79 | |
21 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,160 | +0.060% | 1,097 | |
22 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,920 | +0.339% | 671 | |
23 | Quaint Oak Mortgage, LLC | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,851 | +0.275% | 301 | |
24 | Philadelphia Mortgage Advisors, Inc. | Strong | Sound | Sound | Strong | Exceptional | $2,537 | -0.018% | 177 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,916 | +0.438% | 140 | |
26 | GREENTREE MORTGAGE COMPANY, L.P. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,723 | +0.392% | 139 | |
27 | Firstrust Savings Bank | Strong | Sound | Strong | Strong | Strong | $1,522 | +0.420% | 107 | |
28 | NFM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,856 | +0.512% | 102 | |
29 | Mid Penn Bank | Strong | Strong | Sound | Sound | Strong | $1,102 | +0.231% | 79 | |
30 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,439 | +0.142% | 59 | |
31 | Truist Bank | Strong | Strong | Strong | Sound | Sound | -$1,214 | -0.011% | 54 | |
32 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,117 | +0.639% | 52 | |
33 | EMM LOANS LLC | Strong | Sound | Exceptional | Strong | Sound | $2,117 | +0.440% | 49 | |
34 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,909 | -0.008% | 301 | |
35 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,084 | +0.332% | 290 | |
36 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,276 | +0.026% | 244 | |
37 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,040 | +0.127% | 85 | |
38 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,301 | +0.237% | 83 | |
39 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,147 | +0.481% | 67 | |
40 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,819 | +0.337% | 63 | |
41 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,726 | +0.449% | 38 | |
42 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,902 | +0.372% | 1,558 | |
43 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Exceptional | Strong | $2,849 | +0.385% | 144 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $1,963 | +0.580% | 49 | |
45 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,898 | +0.913% | 48 | |
46 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $2,864 | +0.668% | 37 | |
47 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Strong | $1,542 | -0.066% | 189 | |
48 | PRINCETON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,951 | +0.409% | 109 | |
49 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,343 | +0.455% | 58 |
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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