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 | FCB Banks | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $714 | -0.085% | 642 | |
2 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,118 | +0.519% | 2,800 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,198 | +0.313% | 1,857 | |
4 | GERSHMAN INVESTMENT CORP. | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,367 | +0.555% | 709 | |
5 | First State Bank of St. Charles, Missouri | Exceptional | Strong | Strong | Strong | Exceptional | $1,306 | +0.165% | 646 | |
6 | United Community Bank | Exceptional | Exceptional | Strong | Sound | Strong | $155 | +0.176% | 137 | |
7 | FLAT BRANCH MORTGAGE, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,224 | +0.392% | 1,380 | |
8 | The Central Trust Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $889 | +0.305% | 632 | |
9 | Carrollton Bank | Exceptional | Strong | — | Strong | Exceptional | $828 | +0.169% | 589 | |
10 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.520% | 344 | |
11 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,077 | +0.654% | 1,836 | |
12 | DAS Acquisition Company, LLC | Strong | Mediocre | Exceptional | Strong | Exceptional | $1,824 | +0.649% | 1,731 | |
13 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $2,010 | +0.567% | 470 | |
14 | DELMAR FINANCIAL COMPANY | Sound | Acceptable | Sound | Acceptable | Exceptional | $1,369 | +0.341% | 1,006 |
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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