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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | $1,808 | -0.277% | 211 | |
2 | Gate City Bank | Exceptional | Strong | Exceptional | Exceptional | $2,883 | -0.221% | 387 | |
3 | TOWN AND COUNTRY Credit Union | Strong | Sound | Exceptional | Exceptional | $2,858 | -0.027% | 191 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $3,210 | +0.239% | 184 | |
5 | First International Bank & Trust | Strong | Sound | Exceptional | Exceptional | $2,161 | +0.000% | 176 | |
6 | FIRST COMMUNITY CREDIT UNION | Strong | Strong | Sound | Exceptional | $2,676 | -0.327% | 101 | |
7 | CAPITAL | Strong | Sound | Exceptional | Strong | $3,945 | -0.255% | 53 | |
8 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $3,697 | +0.186% | 42 | |
9 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $921 | +0.004% | 39 | |
10 | Dacotah Bank | Strong | Strong | Strong | Sound | $1,734 | -0.047% | 21 | |
11 | Bell Bank | Strong | Acceptable | Exceptional | Exceptional | $2,382 | +0.051% | 295 | |
12 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | $2,711 | -0.049% | 69 | |
13 | Western State Bank | Strong | Strong | Acceptable | Strong | $1,532 | -0.218% | 54 | |
14 | BAY EQUITY LLC | Strong | Sound | Strong | Strong | $3,795 | +0.117% | 43 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | $3,327 | +0.351% | 114 | |
16 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,196 | -0.056% | 109 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $1,278 | -0.200% | 45 | |
18 | Alerus Financial, National Association | Strong | Sound | Strong | Sound | $165 | -0.172% | 32 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,265 | +0.358% | 27 | |
20 | First Western Bank & Trust | Strong | Sound | Strong | Sound | $2,485 | -0.081% | 26 | |
21 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $3,613 | +0.438% | 23 | |
22 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Strong | $3,714 | +0.311% | 75 | |
23 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $302 | +1.258% | 49 | |
24 | Choice Financial Group | Sound | Acceptable | Sound | Strong | $2,789 | -0.034% | 36 | |
25 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Sound | Mediocre | Strong | Strong | $3,346 | +0.375% | 94 | |
26 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $2,288 | +0.356% | 28 |
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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