Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $375Fees | 0.398%Above | 1,368 | |
2 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Exceptional | $308Credit | 0.087%Above | 499 | |
3 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,700Fees | 0.055%Above | 167 | |
4 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,368Fees | 0.098%Below | 131 | |
5 | Frost BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $620Credit | 0.515%Below | 163 | |
6 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,447Fees | 0.167%Above | 350 | |
7 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,099Fees | 0.024%Below | 1,858 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,208Fees | 0.420%Above | 1,717 | |
9 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,150Fees | 0.071%Above | 816 | |
10 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $4,104Fees | 0.025%Above | 491 | |
11 | SWBC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,095Fees | 0.336%Above | 167 | |
12 | CORNERSTONE CAPITAL BANK, SSBBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,126Fees | 0.080%Above | 447 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,886Fees | 0.373%Above | 250 | |
14 | First United Bank and Trust CompanyBank | Strong | Acceptable | Exceptional | Sound | Strong | $2,782Fees | 0.241%Above | 169 | |
15 | Jefferson BankBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,781Fees | 0.165%Above | 244 | |
16 | Sunflower Bank, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $3,917Fees | 0.144%Above | 78 | |
17 | GARDNER FINANCIAL SERVICES, LTD.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $4,958Fees | 0.330%Above | 649 |
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.