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