Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank First, N.A.Bank | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $242Fees | 0.002%Above | 655 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,966Fees | 0.178%Above | 1,883 | |
3 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,582Fees | 0.423%Above | 1,860 | |
4 | Barrington Bank & Trust Company, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,733Fees | 0.196%Above | 1,160 | |
5 | FIRST COLONY MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,541Fees | 0.334%Above | 815 | |
6 | Paramount Residential Mortgage Group, Inc.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,645Fees | 0.575%Above | 324 | |
7 | PLANET HOME LENDING, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,061Fees | 0.308%Above | 260 | |
8 | Westby Co-op Credit UnionCredit Union | Strong | Strong | — | Strong | Strong | $643Fees | 0.057%Above | 199 | |
9 | Nations Lending CorporationIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,930Fees | 0.461%Above | 626 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Sound | Strong | $1,633Fees | 0.404%Above | 383 | |
11 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,897Fees | 0.317%Above | 741 | |
12 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,416Fees | 0.402%Above | 2,513 | |
13 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,120Fees | 0.566%Above | 974 | |
14 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,614Fees | 0.578%Above | 699 | |
15 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,035Fees | 0.638%Above | 464 | |
16 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,197Fees | 0.634%Above | 336 |
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.