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 | Kish Bank | Exceptional | Strong | Strong | Strong | Exceptional | $901 | -0.172% | 89 | |
2 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Strong | $1,523 | +0.107% | 36 | |
3 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Sound | $550 | -0.308% | 19 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $436 | -0.282% | 11 | |
5 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,301 | -0.009% | 36 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,467 | +0.089% | 102 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,570 | +0.151% | 100 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,367 | +0.258% | 106 | |
9 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $1,780 | +0.042% | 44 | |
10 | CNB Bank | Strong | Strong | Strong | Sound | Sound | $705 | +0.025% | 15 | |
11 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,091 | +0.105% | 11 | |
12 | Old Dominion National Bank | Strong | Sound | Sound | Strong | Strong | $1,651 | -0.258% | 30 | |
13 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,411 | -0.135% | 29 | |
14 | Univest Bank and Trust Co. | Strong | Sound | Strong | Strong | Sound | $1,664 | -0.001% | 20 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Acceptable | $2,495 | +0.197% | 10 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $1,811 | +0.581% | 27 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,506 | +0.011% | 12 | |
18 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,136 | +0.677% | 11 | |
19 | MEMBER FIRST MORTGAGE, LLC | Strong | Sound | Strong | Sound | Sound | $1,381 | -0.022% | 11 | |
20 | Jersey Shore State Bank | Strong | Mediocre | Strong | Exceptional | Strong | $3,742 | +0.423% | 38 | |
21 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Sound | $2,078 | +0.328% | 14 |
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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