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 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$920 | +0.073% | 775 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,047 | +0.215% | 589 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $312 | +0.499% | 430 | |
4 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Strong | $1,244 | -0.057% | 279 | |
5 | S&T Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | -$173 | +0.208% | 265 | |
6 | FEDERATED MORTGAGE CORP. | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,818 | +0.199% | 201 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $302 | -0.459% | 198 | |
8 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $480 | -0.024% | 124 | |
9 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $888 | +0.002% | 98 | |
10 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,180 | +0.165% | 531 | |
11 | First Federal Savings and Loan Association of Greene Co | Exceptional | Exceptional | Sound | Strong | Strong | $596 | -0.084% | 115 | |
12 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,585 | -0.112% | 113 | |
13 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,821 | +0.167% | 97 | |
14 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $591 | +0.067% | 87 | |
15 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,440 | +0.376% | 78 | |
16 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,424 | -0.026% | 53 | |
17 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.304% | 429 | |
18 | First Commonwealth Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $986 | +0.282% | 422 | |
19 | Union Savings Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,199 | +0.085% | 343 | |
20 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,380 | +0.080% | 161 | |
21 | SOMERSET TRUST COMPANY | Exceptional | Strong | Strong | Strong | Strong | $655 | -0.019% | 140 | |
22 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
23 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
24 | Dollar Bank, Federal Savings Bank | Strong | Sound | Strong | Strong | Exceptional | $908 | +0.208% | 685 | |
25 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,960 | +0.267% | 567 | |
26 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,412 | +0.273% | 372 | |
27 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,036 | +0.211% | 243 | |
28 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Strong | $2,710 | +0.145% | 153 | |
29 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,995 | +0.739% | 126 | |
30 | WesBanco Bank, Inc. | Strong | Sound | Exceptional | Strong | Strong | $1,662 | +0.177% | 93 | |
31 | Northwest Bank | Strong | Strong | Strong | Sound | Strong | $1,250 | +0.203% | 75 | |
32 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.361% | 968 | |
33 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,358 | +0.252% | 926 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,776 | +0.600% | 473 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,794 | +0.447% | 434 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,808 | +0.208% | 342 | |
37 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896 | +0.318% | 301 | |
38 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Strong | $1,718 | +0.157% | 158 | |
39 | Premier Bank | Strong | Sound | Strong | Strong | Strong | $1,369 | +0.365% | 59 | |
40 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Strong | Strong | Exceptional | $1,997 | +0.393% | 609 | |
41 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,721 | +0.354% | 510 | |
42 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,006 | +0.268% | 503 | |
43 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,273 | +0.433% | 224 | |
44 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,999 | +0.500% | 141 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,054 | +0.511% | 140 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.214% | 120 | |
47 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,391 | +0.174% | 116 | |
48 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,549 | +0.383% | 90 | |
49 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,080 | +0.268% | 77 | |
50 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,786 | +0.440% | 77 |
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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