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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | S&T Bank | Exceptional | Exceptional | Sound | Exceptional | -$173 | +0.208% | 265 | |
2 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | $480 | -0.024% | 124 | |
3 | PNC Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$920 | +0.073% | 775 | |
4 | Citizens Bank, National Association | Exceptional | Strong | Strong | Exceptional | $1,180 | +0.165% | 531 | |
5 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $312 | +0.499% | 430 | |
6 | First Commonwealth Bank | Exceptional | Strong | Strong | Exceptional | $986 | +0.282% | 422 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $1,244 | -0.057% | 279 | |
8 | FEDERATED MORTGAGE CORP. | Exceptional | Strong | Strong | Exceptional | $1,818 | +0.199% | 201 | |
9 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $302 | -0.459% | 198 | |
10 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | $596 | -0.084% | 115 | |
11 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Strong | $888 | +0.002% | 98 | |
12 | Liberty | Exceptional | Strong | Exceptional | Strong | $1,440 | +0.376% | 78 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
14 | JLB CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,357 | +0.391% | 185 | |
15 | SOMERSET TRUST COMPANY | Strong | Strong | Strong | Strong | $655 | -0.019% | 140 | |
16 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,585 | -0.112% | 113 | |
17 | KeyBank National Association | Strong | Strong | Strong | Strong | $1,821 | +0.167% | 97 | |
18 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $591 | +0.067% | 87 | |
19 | Northwest Bank | Strong | Strong | Strong | Strong | $1,250 | +0.203% | 75 | |
20 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $1,424 | -0.026% | 53 | |
21 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Exceptional | $908 | +0.208% | 685 | |
22 | First National Bank of Pennsylvania | Strong | Sound | Strong | Exceptional | $1,047 | +0.215% | 589 | |
23 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Exceptional | $1,960 | +0.267% | 567 | |
24 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Exceptional | $2,412 | +0.273% | 372 | |
25 | Union Savings Bank | Strong | Sound | Strong | Exceptional | $1,199 | +0.085% | 343 | |
26 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,380 | +0.080% | 161 | |
27 | Washington Financial Bank | Strong | Strong | Sound | Strong | $661 | +0.336% | 95 | |
28 | State Financial Network, LLC | Strong | Strong | Sound | Strong | $612 | +0.241% | 56 | |
29 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,524 | +0.361% | 968 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,776 | +0.600% | 473 | |
32 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $1,808 | +0.208% | 342 | |
33 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,036 | +0.211% | 243 | |
34 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | $1,718 | +0.157% | 158 | |
35 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $2,710 | +0.145% | 153 | |
36 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,343 | +0.505% | 129 | |
37 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,995 | +0.739% | 126 | |
38 | WesBanco Bank, Inc. | Strong | Sound | Strong | Strong | $1,662 | +0.177% | 93 | |
39 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Strong | Strong | $3,203 | +0.462% | 67 | |
40 | Premier Bank | Strong | Sound | Strong | Strong | $1,369 | +0.365% | 59 | |
41 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Strong | Exceptional | $2,358 | +0.252% | 926 | |
42 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Exceptional | $1,997 | +0.393% | 609 | |
43 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Exceptional | $3,721 | +0.354% | 510 | |
44 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Strong | Exceptional | $3,006 | +0.268% | 503 | |
45 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $2,794 | +0.447% | 434 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $979 | +0.464% | 429 | |
47 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Exceptional | $2,182 | +0.304% | 429 | |
48 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,896 | +0.318% | 301 | |
49 | RMC HOME MORTGAGE, LLC | Strong | Acceptable | Strong | Exceptional | $3,356 | +0.394% | 236 | |
50 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,273 | +0.433% | 224 |
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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