Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Strong | Exceptional | $451Fees | 0.617%Above | 443 | |
2 | Seven Seventeen Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,678Fees | 0.019%Below | 325 | |
3 | First Commonwealth BankBank | Strong | Strong | Strong | Strong | $874Fees | 0.241%Above | 41 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $308Fees | 0.130%Below | 23 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | $2,142Fees | 0.364%Above | 239 | |
6 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Exceptional | $1,368Fees | 0.370%Above | 216 | |
7 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | $484Fees | 0.374%Above | 30 | |
8 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | $667Fees | 0.392%Above | 29 | |
9 | KeyBank National AssociationBank | Strong | Strong | Strong | Sound | $972Fees | 0.057%Above | 20 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | $3,145Fees | 0.625%Above | 413 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Strong | $1,905Fees | 0.447%Above | 128 | |
12 | Premier BankBank | Strong | Sound | Strong | Strong | $1,070Fees | 0.526%Above | 114 | |
13 | WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | $2,025Fees | 0.479%Above | 82 | |
14 | First National Bank of PennsylvaniaBank | Strong | Sound | Strong | Strong | $889Fees | 0.208%Above | 50 | |
15 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Sound | $1,143Fees | 0.615%Above | 42 | |
16 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | $3,558Fees | 0.924%Above | 325 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,320Fees | 0.511%Above | 94 | |
18 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,475Fees | 0.585%Above | 30 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | $1,700Fees | 0.234%Above | 25 | |
20 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | $2,101Fees | 0.322%Above | 23 | |
21 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,371Fees | 0.762%Above | 130 | |
22 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Strong | Strong | $2,547Fees | 0.494%Above | 72 | |
23 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | $2,313Fees | 0.440%Above | 46 | |
24 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Sound | Sound | $2,866Fees | 0.035%Above | 42 | |
25 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,135Fees | 1.055%Above | 41 | |
26 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | $3,175Fees | 0.681%Above | 26 | |
27 | Ixonia BankBank | Sound | Mediocre | Strong | Exceptional | $3,438Fees | 0.842%Above | 657 | |
28 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,539Fees | 1.043%Above | 31 | |
29 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,313Fees | 0.678%Above | 27 | |
30 | Synergy One Lending, Inc.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,357Fees | 0.798%Above | 24 | |
31 | Equity Prime Mortgage LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | $2,624Fees | 0.773%Above | 21 | |
32 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $3,013Fees | 1.184%Above | 33 | |
33 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Sound | Sound | $1,677Fees | 0.640%Above | 21 | |
34 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Strong | $3,158Fees | 1.082%Above | 42 | |
35 | GO MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $3,871Fees | 0.471%Above | 22 | |
36 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | $2,187Fees | 0.687%Above | 21 | |
37 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | $3,137Fees | 1.404%Above | 20 | |
38 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | $3,154Fees | 1.272%Above | 33 | |
39 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | $5,224Fees | 0.437%Above | 24 |
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.