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 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,685 | +0.200% | 51 | |
2 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $1,760 | +0.374% | 36 | |
3 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,557 | -0.222% | 34 | |
4 | KEESLER | Exceptional | Exceptional | Strong | Strong | Sound | $662 | -0.460% | 14 | |
5 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,713 | +0.380% | 183 | |
6 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Strong | $2,274 | +0.102% | 56 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,243 | +0.222% | 52 | |
8 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,301 | +0.211% | 36 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,600 | +0.577% | 104 | |
10 | Merchants & Marine Bank | Strong | Sound | Strong | Strong | Exceptional | $1,996 | +0.355% | 82 | |
11 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $1,548 | +0.337% | 33 | |
12 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $1,995 | +0.443% | 18 | |
13 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,517 | -0.092% | 13 | |
14 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,832 | +0.290% | 53 | |
15 | The Citizens National Bank of Meridian | Strong | Strong | Sound | Sound | Strong | $1,035 | +0.065% | 33 | |
16 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $1,690 | +0.084% | 14 | |
17 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $3,815 | +0.449% | 25 | |
18 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,031 | +0.622% | 23 | |
19 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,343 | +1.443% | 11 | |
20 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,505 | +0.434% | 33 | |
21 | Grand Bank for Savings, FSB | Strong | Acceptable | Sound | Strong | Strong | $990 | +0.414% | 23 | |
22 | Hamilton Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $3,006 | +0.565% | 20 | |
23 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Strong | $3,254 | +0.751% | 33 |
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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