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 Columbia Bank & Trust Co. | Exceptional | Strong | Strong | Exceptional | Exceptional | $776 | -0.264% | 85 | |
2 | PENNSYLVANIA STATE EMPLOYEES Credit Union | Exceptional | Exceptional | Strong | Strong | Strong | $535 | -0.033% | 23 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,034 | +0.426% | 11 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,986 | +0.611% | 103 | |
5 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,061 | +0.075% | 147 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,954 | +0.110% | 28 | |
7 | First Commonwealth Bank | Strong | Sound | Exceptional | Strong | Sound | $598 | +0.580% | 13 | |
8 | KIND LENDING, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,816 | +0.392% | 45 | |
9 | Jersey Shore State Bank | Strong | Mediocre | Strong | Exceptional | Exceptional | $2,155 | +0.633% | 88 | |
10 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,004 | +0.356% | 11 | |
11 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Acceptable | $3,125 | -0.101% | 10 | |
12 | CITIZENS & NORTHERN BANK | Strong | Acceptable | Strong | Sound | Strong | $1,921 | +0.333% | 19 | |
13 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,073 | +0.544% | 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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