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 | FBC MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Exceptional | $2,712 | +0.002% | 244 | |
2 | Prosperity Home Mortgage, LLC | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,980 | +0.283% | 345 | |
3 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $2,224 | +0.160% | 339 | |
4 | First Federal Bank, A FSB | Exceptional | Strong | Exceptional | Strong | Exceptional | $3,407 | +0.048% | 187 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,909 | +0.166% | 987 | |
6 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Exceptional | $2,208 | +0.203% | 394 | |
7 | SouthPoint Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,393 | +0.206% | 289 | |
8 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $3,264 | -0.119% | 174 | |
9 | Synovus Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,077 | +0.235% | 174 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,636 | +0.195% | 168 | |
11 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,136 | +0.551% | 65 | |
12 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,176 | +0.254% | 346 | |
13 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,431 | +0.216% | 335 | |
14 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,786 | +0.264% | 295 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,184 | +0.168% | 187 | |
16 | LENDLO MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,576 | +0.080% | 124 | |
17 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,871 | +0.132% | 84 | |
18 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,969 | +0.205% | 83 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,045 | +0.442% | 848 | |
20 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,692 | +0.314% | 708 | |
21 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,447 | +0.360% | 584 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,813 | +0.512% | 264 | |
23 | Assurance Financial Group, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,823 | +0.702% | 176 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,857 | +0.486% | 145 | |
25 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,061 | +0.153% | 107 | |
26 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,752 | +0.235% | 93 | |
27 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,713 | +0.199% | 70 | |
28 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,826 | +0.286% | 68 | |
29 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,347 | +0.243% | 68 | |
30 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,992 | +0.362% | 67 | |
31 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$58 | +0.136% | 52 | |
32 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $2,865 | +0.350% | 51 | |
33 | GoodLeap, LLC | Strong | Strong | Exceptional | Sound | Sound | $2,939 | +0.339% | 35 | |
34 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $2,234 | +0.348% | 34 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,635 | +0.470% | 362 | |
36 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,041 | +0.310% | 357 | |
37 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,768 | +0.333% | 93 | |
38 | MORIA DEVELOPMENT, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,325 | +0.159% | 86 | |
39 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,265 | +0.319% | 73 | |
40 | THE MORTGAGE FIRM, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,393 | +0.195% | 51 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $3,000 | +0.544% | 251 | |
42 | CANOPY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,062 | +0.591% | 164 | |
43 | AVADIAN | Strong | Sound | Sound | Sound | Exceptional | $1,143 | +0.053% | 153 | |
44 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $1,950 | +0.376% | 152 | |
45 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $4,424 | +0.495% | 148 | |
46 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,137 | +0.072% | 126 | |
47 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,679 | +0.530% | 50 | |
48 | STG MORTGAGE INC | Strong | Sound | Strong | Sound | Strong | $1,575 | +0.399% | 49 | |
49 | TJC Mortgage, Inc. | Strong | Acceptable | Strong | Strong | Strong | $3,807 | +0.438% | 110 | |
50 | HUNT MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Strong | $2,235 | +0.201% | 49 |
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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