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