Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Gate City BankBank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,883Fees | 0.221%Below | 387 | |
2 | TOWN AND COUNTRY Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,858Fees | 0.027%Below | 191 | |
3 | VALLEY MORTGAGE, INC.Independent Mortgage Company | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,808Fees | 0.277%Below | 211 | |
4 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,210Fees | 0.239%Above | 184 | |
5 | First International Bank & TrustBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,161Fees | 0.000%Above | 176 | |
6 | Bell BankBank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,382Fees | 0.051%Above | 295 | |
7 | FIRST COMMUNITY CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Sound | Exceptional | $2,676Fees | 0.327%Below | 101 | |
8 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,999Fees | 0.266%Above | 19 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $1,916Fees | 0.251%Below | 14 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,327Fees | 0.351%Above | 114 | |
11 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,196Fees | 0.056%Below | 109 | |
12 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $3,265Fees | 0.358%Above | 27 | |
13 | Cambria Financial Group, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $3,714Fees | 0.311%Above | 75 | |
14 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $302Fees | 1.258%Above | 49 | |
15 | PRIMARY RESIDENTIAL MORTGAGE, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,346Fees | 0.375%Above | 94 |
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.