Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank TexasBank | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,886Fees | 0.002%Above | 750 | |
2 | CORNERSTONE CAPITAL BANK, SSBBank | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $3,496Fees | 0.105%Above | 2,043 | |
3 | Amarillo National BankBank | Exceptional | Strong | Strong | Exceptional | Exceptional | $1,156Fees | 0.154%Above | 838 | |
4 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $2,537Fees | 0.100%Above | 8,821 | |
5 | First Financial Bank, National AssociationBank | Exceptional | Strong | Strong | Strong | Exceptional | $1,387Fees | 0.482%Above | 2,119 | |
6 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,142Fees | 0.051%Below | 1,555 | |
7 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,696Fees | 0.252%Above | 2,694 | |
8 | First United Bank and Trust CompanyBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,333Fees | 0.331%Above | 2,233 | |
9 | Gateway First BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,700Fees | 0.465%Above | 2,008 | |
10 | USAA Federal Savings BankBank | Exceptional | Strong | Exceptional | Sound | Strong | $1,839Fees | 0.126%Below | 1,164 | |
11 | City BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,430Fees | 0.357%Above | 855 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Exceptional | Sound | Exceptional | $2,092Fees | 0.102%Above | 2,264 | |
13 | Cadence BankBank | Strong | Sound | Strong | Strong | Exceptional | $2,402Fees | 0.045%Above | 2,034 | |
14 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,903Fees | 0.292%Above | 927 | |
15 | Prosperity BankBank | Strong | Sound | — | Acceptable | Exceptional | $995Fees | 0.619%Above | 1,353 | |
16 | Bank of America, National AssociationBank | Sound | Acceptable | Sound | Acceptable | Exceptional | $1,765Fees | 0.085%Below | 2,075 |
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.