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 | Exceptional | Strong | Exceptional | Exceptional | $2,665 | -0.288% | 1,016 | |
2 | TOWN AND COUNTRY Credit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $2,926 | -0.088% | 330 | |
3 | VALLEY MORTGAGE, INC. | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,742 | -0.335% | 177 | |
4 | First International Bank & Trust | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,338 | +0.035% | 470 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,943 | +0.217% | 440 | |
6 | Dakota Community Bank & Trust, National Association | Exceptional | Strong | Strong | Exceptional | Exceptional | $2,863 | -0.355% | 211 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,186 | +0.034% | 166 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,358 | +0.370% | 162 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $3,131 | +0.148% | 74 | |
10 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $581 | -0.459% | 48 | |
11 | FIRST COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Sound | Exceptional | $2,164 | -0.195% | 288 | |
12 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,407 | -0.144% | 285 | |
13 | Bell Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,611 | +0.065% | 250 | |
14 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Sound | $3,474 | -0.140% | 22 | |
15 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,677 | +0.196% | 412 | |
16 | CAPITAL | Strong | Sound | — | Exceptional | Exceptional | $3,322 | -0.082% | 211 | |
17 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,938 | +0.132% | 86 | |
18 | USAA Federal Savings Bank | Strong | Strong | Exceptional | Sound | Sound | $2,148 | -0.100% | 42 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,934 | +0.388% | 352 | |
20 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,432 | +0.536% | 66 | |
21 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Sound | $1,488 | +0.318% | 62 | |
22 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $1,623 | +0.637% | 212 | |
23 | First Western Bank & Trust | Strong | Sound | Sound | Strong | Strong | $2,441 | -0.176% | 117 | |
24 | Cambria Financial Group, LLC | Strong | Acceptable | Strong | Exceptional | Strong | $3,744 | +0.334% | 60 | |
25 | Bank of England | Strong | Sound | Strong | Strong | Sound | $2,376 | +0.873% | 51 | |
26 | Bremer Bank, National Association | Strong | Sound | Acceptable | Strong | Strong | $2,481 | -0.058% | 118 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,560 | +0.601% | 42 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,058 | +0.692% | 22 | |
29 | PRIMARY RESIDENTIAL MORTGAGE, INC. | Strong | Mediocre | Exceptional | Strong | Strong | $3,505 | +0.304% | 83 | |
30 | Barrington Bank & Trust Company, National Association | Strong | Mediocre | Exceptional | Strong | Strong | $2,479 | -0.075% | 72 |
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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