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 | Union Savings Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,199 | +0.085% | 343 | |
2 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,284 | +0.420% | 1,464 | |
3 | GUARANTEED RATE AFFINITY, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,006 | +0.268% | 503 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $312 | +0.499% | 430 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $302 | -0.459% | 198 | |
6 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,524 | +0.361% | 968 | |
7 | First National Bank of Pennsylvania | Exceptional | Strong | Strong | Strong | Exceptional | $1,047 | +0.215% | 589 | |
8 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,808 | +0.208% | 342 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,343 | +0.505% | 129 | |
10 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $591 | +0.067% | 87 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,180 | +0.165% | 531 | |
12 | PLAZA HOME MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.304% | 429 | |
13 | First Commonwealth Bank | Exceptional | Strong | Sound | Strong | Exceptional | $986 | +0.282% | 422 | |
14 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,391 | +0.174% | 116 | |
15 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,549 | +0.383% | 90 | |
16 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,741 | +0.025% | 79 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,242 | +0.400% | 2,335 | |
18 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,358 | +0.252% | 926 | |
19 | WEST PENN FINANCIAL SERVICE CENTER, INC. | Strong | Sound | Strong | Strong | Exceptional | $1,960 | +0.267% | 567 | |
20 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Exceptional | $2,412 | +0.273% | 372 | |
21 | RMC HOME MORTGAGE, LLC | Strong | Sound | Strong | Strong | Exceptional | $3,356 | +0.394% | 236 | |
22 | FEDERATED MORTGAGE CORP. | Strong | Strong | Acceptable | Strong | Exceptional | $1,818 | +0.199% | 201 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,054 | +0.511% | 140 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,995 | +0.739% | 126 | |
25 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $2,291 | +0.509% | 85 | |
26 | PNC Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | -$920 | +0.073% | 775 | |
27 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,776 | +0.600% | 473 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,794 | +0.447% | 434 | |
29 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $979 | +0.464% | 429 | |
30 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,896 | +0.318% | 301 | |
31 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,273 | +0.433% | 224 | |
32 | MICHIGAN MUTUAL, INC. | Strong | Sound | Strong | Strong | Strong | $1,688 | +0.394% | 61 | |
33 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,710 | +0.145% | 153 | |
34 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,999 | +0.500% | 141 | |
35 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,523 | +0.214% | 120 | |
36 | GoodLeap, LLC | Strong | Sound | Strong | Sound | Strong | $3,148 | -0.084% | 73 | |
37 | Dollar Bank, Federal Savings Bank | Strong | Sound | Acceptable | Acceptable | Exceptional | $908 | +0.208% | 685 | |
38 | AFFORDABLE MORTGAGE ADVISORS, LLC. | Strong | Mediocre | Strong | Strong | Exceptional | $1,997 | +0.393% | 609 | |
39 | VICTORIAN FINANCE, LLC | Strong | Mediocre | Strong | Strong | Exceptional | $3,721 | +0.354% | 510 | |
40 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,143 | +0.048% | 49 | |
41 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $2,647 | +0.873% | 90 | |
42 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $5,006 | +1.309% | 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.
Get personalized recommendations based on your specific needs