Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Gate City BankBank | Exceptional | Strong | Exceptional | Exceptional | $2,490Fees | 0.240%Below | 107 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | $3,324Fees | 0.243%Above | 169 | |
3 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | $1,562Fees | 0.066%Below | 54 | |
4 | Bremer Bank, National AssociationBank | Strong | Sound | Strong | Exceptional | $2,525Fees | 0.262%Above | 49 | |
5 | First International Bank & TrustBank | Strong | Sound | Exceptional | Strong | $2,697Fees | 0.155%Below | 42 | |
6 | FIRST COMMUNITY CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $2,340Fees | 0.118%Below | 34 | |
7 | Frandsen Bank & TrustBank | Strong | Sound | Strong | Strong | $2,734Fees | 0.164%Below | 37 | |
8 | Alerus Financial, National AssociationBank | Strong | Sound | Strong | Strong | $1,190Fees | 0.144%Above | 30 | |
9 | Barrington Bank & Trust Company, National AssociationBank | Strong | Acceptable | Strong | Exceptional | $2,701Fees | 0.130%Below | 68 | |
10 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $1,335Fees | 0.049%Above | 47 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | $3,666Fees | 0.573%Above | 37 |
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.