Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $451Fees | 0.617%Above | 443 | |
2 | Seven Seventeen Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,678Fees | 0.019%Below | 325 | |
3 | First National Bank of PennsylvaniaBank | Exceptional | Strong | Exceptional | Strong | Strong | $889Fees | 0.208%Above | 50 | |
4 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $308Fees | 0.130%Below | 23 | |
5 | PNC Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $484Fees | 0.374%Above | 30 | |
6 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $972Fees | 0.057%Above | 20 | |
7 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,422Fees | 0.626%Above | 14 | |
8 | Third Federal Savings and Loan Association of ClevelandBank | Exceptional | Strong | Exceptional | Strong | Sound | $986Fees | 0.131%Above | 10 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,145Fees | 0.625%Above | 413 | |
10 | The Farmers National Bank of CanfieldBank | Strong | Sound | Strong | Strong | Exceptional | $1,368Fees | 0.370%Above | 216 | |
11 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,905Fees | 0.447%Above | 128 | |
12 | First Commonwealth BankBank | Strong | Sound | Exceptional | Strong | Strong | $874Fees | 0.241%Above | 41 | |
13 | Citizens Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $667Fees | 0.392%Above | 29 | |
14 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,281Fees | 0.208%Above | 13 | |
15 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,558Fees | 0.924%Above | 325 | |
16 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,142Fees | 0.364%Above | 239 | |
17 | Premier BankBank | Strong | Sound | Strong | Strong | Strong | $1,070Fees | 0.526%Above | 114 | |
18 | WEST PENN FINANCIAL SERVICE CENTER, INC.Independent Mortgage Company | Strong | Sound | Strong | Strong | Strong | $2,025Fees | 0.479%Above | 82 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,143Fees | 0.615%Above | 42 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,475Fees | 0.585%Above | 30 | |
21 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,857Fees | 0.365%Above | 14 | |
22 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,320Fees | 0.511%Above | 94 | |
23 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,547Fees | 0.494%Above | 72 | |
24 | HOWARD HANNA FINANCIAL SERVICES, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,313Fees | 0.440%Above | 46 | |
25 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $1,700Fees | 0.234%Above | 25 | |
26 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,859Fees | 0.732%Above | 14 | |
27 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,438Fees | 0.842%Above | 657 | |
28 | GoodLeap, LLCIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $2,866Fees | 0.035%Above | 42 | |
29 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,135Fees | 1.055%Above | 41 | |
30 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,539Fees | 1.043%Above | 31 | |
31 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,175Fees | 0.681%Above | 26 | |
32 | EMM LOANS LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,129Fees | 0.555%Above | 19 | |
33 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Strong | $2,371Fees | 0.762%Above | 130 | |
34 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,013Fees | 1.184%Above | 33 | |
35 | AFFORDABLE MORTGAGE ADVISORS, LLC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,313Fees | 0.678%Above | 27 | |
36 | Synergy One Lending, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,357Fees | 0.798%Above | 24 | |
37 | GO MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $3,871Fees | 0.471%Above | 22 | |
38 | NEWREZ LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,677Fees | 0.640%Above | 21 | |
39 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $167Fees | 1.174%Above | 13 | |
40 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,315Fees | 0.438%Above | 10 | |
41 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,403Fees | 0.707%Above | 14 | |
42 | AMERICAN FINANCIAL RESOURCES, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $2,575Fees | 0.396%Above | 13 | |
43 | NFM, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $4,083Fees | 0.727%Above | 11 | |
44 | NATIONWIDE MORTGAGE BANKERS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $2,187Fees | 0.687%Above | 21 | |
45 | ROYAL UNITED MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Strong | Strong | Sound | $3,137Fees | 1.404%Above | 20 | |
46 | Farm Credit Mid-America, ACAIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $5,224Fees | 0.437%Above | 24 | |
47 | LIBERTY HOME MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Sound | Acceptable | Strong | $3,158Fees | 1.082%Above | 42 | |
48 | RAPID MORTGAGE COMPANYIndependent Mortgage Company | Sound | Mediocre | Sound | Sound | Sound | $3,154Fees | 1.272%Above | 33 |
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.