Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,124Fees | 0.102%Above | 479 | |
2 | Synovus BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,321Fees | 0.182%Above | 573 | |
3 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,893Fees | 0.180%Above | 229 | |
4 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,829Fees | 0.446%Above | 4,227 | |
5 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,862Fees | 0.120%Above | 3,461 | |
6 | Trustmark National BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,799Fees | 0.253%Above | 1,916 | |
7 | Regions BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815Fees | 0.363%Above | 1,890 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,656Fees | 0.422%Above | 1,445 | |
9 | Renasant BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,491Fees | 0.261%Above | 1,328 | |
10 | FirstBankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,257Fees | 0.159%Above | 1,072 | |
11 | CMG MORTGAGE, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,101Fees | 0.274%Above | 767 | |
12 | BankPlusBank | Exceptional | Strong | Strong | Strong | Strong | $1,307Fees | 0.035%Above | 158 | |
13 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,411Fees | 0.134%Above | 371 | |
14 | ServisFirst BankBank | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,853Fees | 0.169%Above | 316 | |
15 | Bank IndependentBank | Strong | Sound | — | Exceptional | Exceptional | $2,807Fees | 0.168%Above | 292 | |
16 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $637Fees | 0.205%Above | 214 | |
17 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,425Fees | 0.452%Above | 1,578 | |
18 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,107Fees | 0.392%Above | 1,317 | |
19 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,150Fees | 0.202%Above | 677 | |
20 | AVADIANCredit Union | Strong | Sound | — | Strong | Exceptional | $1,467Fees | 0.075%Above | 291 | |
21 | First Horizon BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,038Fees | 0.149%Above | 213 | |
22 | Cadence BankBank | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,104Fees | 0.191%Above | 756 | |
23 | River Bank & TrustBank | Strong | Mediocre | Strong | Strong | Exceptional | $2,635Fees | 0.605%Above | 266 |
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.