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 | $2,665 | -0.288% | 1,016 | |
2 | Dakota Community Bank & Trust, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,863 | -0.355% | 211 | |
3 | VALLEY MORTGAGE, INC. | Exceptional | Strong | Strong | Strong | Exceptional | $1,742 | -0.335% | 177 | |
4 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,186 | +0.034% | 166 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $581 | -0.459% | 48 | |
6 | First International Bank & Trust | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,338 | +0.035% | 470 | |
7 | FIRST COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $2,164 | -0.195% | 288 | |
8 | CAPITAL | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,322 | -0.082% | 211 | |
9 | TOWN AND COUNTRY Credit Union | Strong | Sound | Strong | Strong | Exceptional | $2,926 | -0.088% | 330 | |
10 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $1,407 | -0.144% | 285 | |
11 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,479 | -0.075% | 72 | |
12 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,414 | +0.218% | 47 | |
13 | Merchants Bank, National Association | Strong | Strong | Strong | Strong | Sound | $2,452 | -0.005% | 19 | |
14 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,943 | +0.217% | 440 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,677 | +0.196% | 412 | |
16 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.388% | 352 | |
17 | Bremer Bank, National Association | Strong | Sound | Strong | Strong | Strong | $2,481 | -0.058% | 118 | |
18 | First Western Bank & Trust | Strong | Sound | Strong | Strong | Strong | $2,441 | -0.176% | 117 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,281 | -0.083% | 85 | |
20 | Dacotah Bank | Strong | Sound | Strong | Strong | Strong | $1,293 | -0.034% | 74 | |
21 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,432 | +0.536% | 66 | |
22 | Alerus Financial, National Association | Strong | Sound | Strong | Strong | Strong | $710 | -0.049% | 64 | |
23 | Western State Bank | Strong | Strong | Sound | Sound | Strong | $1,432 | -0.258% | 61 | |
24 | BAY EQUITY LLC | Strong | Sound | Exceptional | Strong | Sound | $3,659 | +0.148% | 38 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,354 | +0.285% | 23 | |
26 | Empeople Credit Union | Strong | Strong | Strong | Sound | Sound | $1,079 | -0.107% | 19 | |
27 | First Federal Bank | Strong | Strong | Strong | Sound | Sound | $1,321 | -0.071% | 19 | |
28 | Bell Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,611 | +0.065% | 250 | |
29 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,358 | +0.370% | 162 | |
30 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,938 | +0.132% | 86 | |
31 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,505 | +0.304% | 83 | |
32 | Starion Bank | Strong | Sound | Sound | Strong | Strong | $2,345 | -0.132% | 74 | |
33 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $3,131 | +0.148% | 74 | |
34 | Choice Financial Group | Strong | Sound | Sound | Strong | Strong | $2,831 | -0.079% | 73 | |
35 | Frandsen Bank & Trust | Strong | Sound | Strong | Strong | Sound | $2,528 | +0.019% | 29 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $3,474 | -0.140% | 22 | |
37 | V.I.P. MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,522 | +0.461% | 21 | |
38 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,695 | +0.253% | 43 | |
39 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,560 | +0.601% | 42 | |
40 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,160 | +0.453% | 35 | |
41 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $3,150 | +0.432% | 28 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,058 | +0.692% | 22 | |
43 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $2,841 | +0.556% | 16 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Strong | $1,623 | +0.637% | 212 | |
45 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,488 | +0.318% | 62 | |
46 | Cambria Financial Group, LLC | Strong | Acceptable | Sound | Strong | Strong | $3,744 | +0.334% | 60 | |
47 | WESTERN COOPERATIVE CREDIT UNION | Strong | Sound | Acceptable | Sound | Strong | $2,544 | +0.051% | 52 | |
48 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,148 | -0.100% | 42 | |
49 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,649 | +0.947% | 25 | |
50 | Bank of England | Sound | Acceptable | Strong | Sound | Sound | $2,376 | +0.873% | 51 |
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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