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 | BankPlus | Exceptional | Strong | Strong | Strong | Exceptional | $1,142 | +0.071% | 318 | |
2 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,441 | +0.416% | 718 | |
3 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,055 | +0.220% | 450 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,232 | -0.101% | 12 | |
5 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,079 | +0.189% | 67 | |
6 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,418 | +0.212% | 25 | |
7 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | Sound | $1,371 | +0.148% | 24 | |
8 | Origin Bank | Strong | Sound | Strong | Strong | Strong | $693 | +0.415% | 106 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,426 | +0.113% | 50 | |
10 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,346 | +0.631% | 128 | |
11 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,924 | +0.386% | 127 | |
12 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $1,772 | +0.359% | 57 | |
13 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,271 | +0.186% | 34 | |
14 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | Sound | $679 | +0.808% | 11 | |
15 | Community Bank of Mississippi | Strong | Mediocre | Strong | Strong | Exceptional | $2,004 | +0.276% | 284 | |
16 | Bank of England | Strong | Acceptable | Strong | Sound | Strong | $3,696 | +0.660% | 59 | |
17 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Sound | $2,490 | +0.626% | 31 | |
18 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,986 | -0.210% | 29 |
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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