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 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,713 | +0.380% | 183 | |
2 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,760 | +0.374% | 36 | |
3 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,301 | +0.211% | 36 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,600 | +0.577% | 104 | |
5 | Cadence Bank | Strong | Sound | Exceptional | Strong | Strong | $1,685 | +0.200% | 51 | |
6 | BankPlus | Strong | Strong | Strong | Strong | Sound | $2,531 | +0.354% | 10 | |
7 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | Exceptional | $1,996 | +0.355% | 82 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,243 | +0.222% | 52 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,285 | +0.109% | 11 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $1,669 | +0.154% | 10 | |
11 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,832 | +0.290% | 53 | |
12 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $1,548 | +0.337% | 33 | |
13 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,505 | +0.434% | 33 | |
14 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | Strong | $1,035 | +0.065% | 33 | |
15 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,254 | +0.751% | 33 | |
16 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,815 | +0.449% | 25 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,031 | +0.622% | 23 | |
18 | Merchants Bank of Indiana | Strong | Sound | Strong | Sound | Sound | $3,106 | +0.123% | 10 | |
19 | SUNBELT Federal Credit Union | Strong | Sound | Acceptable | Sound | Strong | $2,178 | +0.042% | 17 | |
20 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,039 | +1.086% | 11 | |
21 | Community Bank of Mississippi | Sound | Mediocre | Strong | Strong | Strong | $2,274 | +0.102% | 56 | |
22 | Hamilton Mortgage Corporation | Sound | Acceptable | Sound | Sound | Sound | $3,006 | +0.565% | 20 | |
23 | Grand Bank for Savings, FSB | Sound | Acceptable | Acceptable | Acceptable | Strong | $990 | +0.414% | 23 |
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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