Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Amarillo National BankBank | Exceptional | Strong | Strong | Strong | Strong | $951Fees | 0.142%Above | 56 | |
2 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,729Fees | 0.032%Above | 16 | |
3 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,971Fees | 0.080%Above | 46 | |
4 | American National Bank & TrustBank | Strong | Sound | Strong | Exceptional | Sound | $503Fees | 0.198%Above | 20 | |
5 | First United BankBank | Strong | Sound | Sound | Strong | Strong | $2,022Fees | 0.171%Above | 78 | |
6 | Prosperity BankBank | Strong | Sound | Strong | Sound | Strong | $1,014Fees | 0.120%Above | 52 | |
7 | NexBankBank | Strong | Sound | Strong | Strong | Sound | $1,913Fees | 0.285%Above | 12 | |
8 | City BankBank | Strong | Acceptable | Strong | Sound | Exceptional | $2,091Fees | 0.420%Above | 158 | |
9 | Centennial BankBank | Strong | Sound | Strong | Sound | Sound | $1,551Fees | 0.609%Above | 36 | |
10 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $1,647Fees | 0.190%Above | 22 | |
11 | Gateway First BankBank | Strong | Acceptable | Exceptional | Strong | Sound | $3,225Fees | 0.016%Below | 11 | |
12 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Sound | $1,051Fees | 0.181%Below | 20 |
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.