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 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,047 | +0.215% | 589 | |
2 | Union Savings Bank | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,199 | +0.085% | 343 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $312 | +0.499% | 430 | |
4 | Univest Bank and Trust Co. | Exceptional | Exceptional | Strong | Strong | Strong | $1,718 | +0.157% | 158 | |
5 | HOMESTEAD FUNDING CORP. | Exceptional | Strong | Exceptional | Exceptional | Strong | $888 | +0.002% | 98 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
7 | First Commonwealth Bank | Exceptional | Strong | Strong | Strong | Exceptional | $986 | +0.282% | 422 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,343 | +0.505% | 129 | |
9 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,440 | +0.376% | 78 | |
10 | PNC Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | -$920 | +0.073% | 775 | |
11 | Dollar Bank, Federal Savings Bank | Exceptional | Strong | Strong | Sound | Exceptional | $908 | +0.208% | 685 | |
12 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,180 | +0.165% | 531 | |
13 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $1,808 | +0.208% | 342 | |
14 | RMC HOME MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,356 | +0.394% | 236 | |
15 | JLB CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,357 | +0.391% | 185 | |
16 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,391 | +0.174% | 116 | |
17 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,662 | +0.177% | 93 | |
18 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,549 | +0.383% | 90 | |
19 | GoodLeap, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $3,148 | -0.084% | 73 | |
20 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
21 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,358 | +0.252% | 926 | |
22 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,960 | +0.267% | 567 | |
23 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,776 | +0.600% | 473 | |
24 | FEDERATED MORTGAGE CORP. | Strong | Sound | Sound | Exceptional | Exceptional | $1,818 | +0.199% | 201 | |
25 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,054 | +0.511% | 140 | |
26 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,995 | +0.739% | 126 | |
27 | ALLIED MORTGAGE GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $3,203 | +0.462% | 67 | |
28 | MICHIGAN MUTUAL, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,688 | +0.394% | 61 | |
29 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,524 | +0.361% | 968 | |
30 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,997 | +0.393% | 609 | |
31 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,006 | +0.268% | 503 | |
32 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,182 | +0.304% | 429 | |
33 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896 | +0.318% | 301 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,273 | +0.433% | 224 | |
35 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,291 | +0.509% | 85 | |
36 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,786 | +0.440% | 77 | |
37 | VICTORIAN FINANCE, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $3,721 | +0.354% | 510 | |
38 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $979 | +0.464% | 429 | |
39 | EQUITY RESOURCES, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,412 | +0.273% | 372 | |
40 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,036 | +0.211% | 243 | |
41 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,710 | +0.145% | 153 | |
42 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.214% | 120 | |
43 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,667 | +0.466% | 51 | |
44 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,794 | +0.447% | 434 | |
45 | ZILLOW HOME LOANS, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,939 | +0.738% | 64 | |
46 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,627 | +0.374% | 51 | |
47 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,526 | +0.926% | 50 | |
48 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $3,943 | +0.992% | 57 | |
49 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | Sound | $1,883 | +0.079% | 55 |
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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