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 | Gate City Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,883 | -0.221% | 387 | |
2 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,808 | -0.277% | 211 | |
3 | First International Bank & Trust | Exceptional | Exceptional | Strong | Strong | Exceptional | $2,161 | +0.000% | 176 | |
4 | TOWN AND COUNTRY Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,858 | -0.027% | 191 | |
5 | FIRST COMMUNITY CREDIT UNION | Exceptional | Exceptional | Strong | Sound | Exceptional | $2,676 | -0.327% | 101 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,210 | +0.239% | 184 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $3,999 | +0.266% | 19 | |
8 | CAPITAL | Strong | Sound | Strong | Exceptional | Strong | $3,945 | -0.255% | 53 | |
9 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $3,697 | +0.186% | 42 | |
10 | First Western Bank & Trust | Strong | Exceptional | Sound | Sound | Sound | $2,485 | -0.081% | 26 | |
11 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,382 | +0.051% | 295 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,327 | +0.351% | 114 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,196 | -0.056% | 109 | |
14 | Cambria Financial Group, LLC | Strong | Sound | Strong | Strong | Strong | $3,714 | +0.311% | 75 | |
15 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,711 | -0.049% | 69 | |
16 | Western State Bank | Strong | Strong | Sound | Sound | Strong | $1,532 | -0.218% | 54 | |
17 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,278 | -0.200% | 45 | |
18 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,265 | +0.358% | 27 | |
19 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Sound | $3,730 | +0.528% | 15 | |
20 | BAY EQUITY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,795 | +0.117% | 43 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Acceptable | $3,100 | +0.045% | 10 | |
22 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,613 | +0.438% | 23 | |
23 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,346 | +0.375% | 94 | |
24 | MUTUAL OF OMAHA MORTGAGE, INC. | Sound | Acceptable | Exceptional | Sound | Acceptable | -$2,675 | -0.849% | 10 |
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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