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 | Strong | Exceptional | Exceptional | Exceptional | $2,735 | -0.344% | 114 | |
2 | First International Bank & Trust | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,214 | -0.105% | 89 | |
3 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,112 | +0.006% | 15 | |
4 | TOWN AND COUNTRY Credit Union | Strong | Sound | Strong | Strong | Exceptional | $2,505 | -0.210% | 148 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,058 | -0.352% | 82 | |
6 | First Western Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,064 | -0.346% | 48 | |
7 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,802 | +0.155% | 44 | |
8 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,458 | +0.087% | 39 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,046 | +0.235% | 34 | |
10 | Dacotah Bank | Strong | Sound | Strong | Strong | Sound | $1,026 | -0.089% | 22 | |
11 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,818 | +0.472% | 19 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Acceptable | $3,279 | -0.047% | 14 |
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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