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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | BankPlus | Exceptional | Strong | Strong | Exceptional | $1,142 | +0.071% | 318 | |
2 | Liberty | Exceptional | Strong | Exceptional | Strong | $1,167 | +0.588% | 49 | |
3 | KEESLER | Exceptional | Exceptional | Sound | Strong | $685 | -0.524% | 36 | |
4 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,441 | +0.416% | 718 | |
5 | Origin Bank | Strong | Strong | Strong | Strong | $693 | +0.415% | 106 | |
6 | NAVY FEDERAL CREDIT UNION | Strong | Exceptional | Sound | Sound | $472 | -0.335% | 38 | |
7 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,055 | +0.220% | 450 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $1,786 | +0.335% | 228 | |
9 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $1,977 | +0.572% | 98 | |
10 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Sound | $1,371 | +0.148% | 24 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,806 | +0.476% | 421 | |
12 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Exceptional | $2,004 | +0.276% | 284 | |
13 | Regions Bank | Strong | Sound | Strong | Strong | $1,346 | +0.631% | 128 | |
14 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,079 | +0.189% | 67 | |
15 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Sound | $2,418 | +0.212% | 25 | |
16 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Exceptional | $2,762 | +0.667% | 227 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,540 | +0.491% | 155 | |
18 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $1,924 | +0.386% | 127 | |
19 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $2,721 | +0.514% | 62 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,632 | +0.449% | 60 | |
21 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $1,772 | +0.359% | 57 | |
22 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | $1,426 | +0.113% | 50 | |
23 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | $1,094 | +0.370% | 39 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,666 | +0.701% | 32 | |
25 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,431 | -0.190% | 26 | |
26 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | -$519 | +0.591% | 139 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,794 | +0.716% | 89 | |
28 | Bank of England | Strong | Acceptable | Strong | Strong | $3,696 | +0.660% | 59 | |
29 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,335 | +0.442% | 46 | |
30 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,986 | -0.210% | 29 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Sound | $1,647 | +0.387% | 25 | |
32 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | $2,235 | +0.665% | 24 | |
33 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $3,271 | +0.186% | 34 | |
34 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Acceptable | Strong | Sound | $3,058 | +0.524% | 33 | |
35 | FIDELITY BANK | Sound | Acceptable | Strong | Sound | $2,490 | +0.626% | 31 | |
36 | NATIONSTAR MORTGAGE LLC | Sound | Acceptable | Strong | Sound | $3,986 | +0.378% | 26 | |
37 | TOWNE MORTGAGE COMPANY | Sound | Acceptable | Strong | Sound | $1,605 | +0.528% | 25 | |
38 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | $3,097 | +0.565% | 49 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Sound | Sound | $4,212 | +0.878% | 42 | |
40 | NEWREZ LLC | Sound | Acceptable | Sound | Sound | $1,666 | +0.806% | 23 | |
41 | CARRINGTON MORTGAGE SERVICES, LLC | Sound | Acceptable | Sound | Sound | $4,235 | +0.875% | 20 | |
42 | NEW DAY FINANCIAL, LLC | Sound | Mediocre | Acceptable | Sound | $4,990 | +1.335% | 26 |
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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