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 | Sound | Exceptional | Exceptional | $655 | +0.036% | 130 | |
2 | Tompkins Community Bank | Exceptional | Exceptional | Strong | Exceptional | Sound | $972 | -0.045% | 26 | |
3 | Mortgage America, Inc. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,974 | +0.272% | 350 | |
4 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,998 | +0.239% | 62 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $823 | -0.353% | 23 | |
6 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $536 | -0.111% | 22 | |
7 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,909 | +0.180% | 11 | |
8 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,152 | +0.189% | 57 | |
9 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Sound | $924 | +0.193% | 37 | |
10 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $795 | +0.106% | 12 | |
11 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,326 | -0.054% | 11 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,033 | +0.435% | 350 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,236 | +0.200% | 185 | |
14 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Exceptional | $2,337 | +0.127% | 114 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,790 | +0.570% | 52 | |
16 | First Commonwealth Federal Credit Union | Strong | Strong | Sound | Strong | Strong | $652 | +0.128% | 27 | |
17 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | -$89 | +0.180% | 17 | |
18 | MEMBERS 1ST | Strong | Strong | Strong | Strong | Sound | $718 | -0.007% | 14 | |
19 | KeyBank National Association | Strong | Strong | Exceptional | Strong | Acceptable | $2,186 | +0.256% | 10 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $4,100 | +0.602% | 297 | |
21 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,780 | +0.390% | 225 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,557 | +0.245% | 81 | |
23 | AMERIHOME MORTGAGE COMPANY, LLC | Strong | Sound | Strong | Strong | Strong | $3,494 | +0.370% | 57 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $3,026 | +0.344% | 40 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,048 | +0.283% | 28 | |
26 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $225 | +0.300% | 25 | |
27 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Sound | $3,197 | +0.507% | 12 | |
28 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,449 | +0.459% | 118 | |
29 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,406 | +0.437% | 101 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,521 | +0.502% | 96 | |
31 | Diamond Credit Union | Strong | Sound | Sound | Sound | Exceptional | $752 | +0.211% | 72 | |
32 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,021 | +0.705% | 66 | |
33 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,816 | +0.389% | 61 | |
34 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,149 | +0.130% | 43 | |
35 | State Financial Network, LLC | Strong | Strong | Sound | Sound | Sound | $1,248 | +0.536% | 13 | |
36 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,420 | +0.556% | 77 | |
37 | Homesale Mortgage, LLC | Strong | Acceptable | Strong | Strong | Strong | $1,827 | +0.553% | 50 | |
38 | GUARANTEED RATE AFFINITY, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,425 | +0.399% | 49 | |
39 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,779 | +0.439% | 46 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,412 | +0.402% | 39 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,694 | +0.554% | 36 | |
42 | The Ephrata National Bank | Strong | Acceptable | Strong | Strong | Strong | $2,974 | +0.362% | 34 | |
43 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,210 | +0.588% | 33 | |
44 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Sound | $4,163 | +0.613% | 31 | |
45 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,275 | +0.329% | 27 | |
46 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,176 | +0.412% | 23 | |
47 | EMM LOANS LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,675 | +0.454% | 18 | |
48 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,747 | +0.496% | 17 | |
49 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,667 | +0.173% | 15 | |
50 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,274 | +0.424% | 11 |
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