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 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,167 | +0.588% | 49 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $472 | -0.335% | 38 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,441 | +0.416% | 718 | |
5 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,055 | +0.220% | 450 | |
6 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $2,232 | -0.101% | 12 | |
7 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,806 | +0.476% | 421 | |
8 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,079 | +0.189% | 67 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,418 | +0.212% | 25 | |
10 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | Sound | $1,371 | +0.148% | 24 | |
11 | GMFS LLC | Strong | Sound | Exceptional | Exceptional | Sound | $1,702 | +0.369% | 11 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $1,786 | +0.335% | 228 | |
13 | Origin Bank | Strong | Sound | Strong | Strong | Strong | $693 | +0.415% | 106 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,426 | +0.113% | 50 | |
15 | KEESLER | Strong | Strong | Sound | Sound | Strong | $685 | -0.524% | 36 | |
16 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,666 | +0.701% | 32 | |
17 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,540 | +0.491% | 155 | |
18 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,346 | +0.631% | 128 | |
19 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,924 | +0.386% | 127 | |
20 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,977 | +0.572% | 98 | |
21 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,794 | +0.716% | 89 | |
22 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,632 | +0.449% | 60 | |
23 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $1,431 | -0.190% | 26 | |
24 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $2,762 | +0.667% | 227 | |
25 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,721 | +0.514% | 62 | |
26 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $1,772 | +0.359% | 57 | |
27 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,335 | +0.442% | 46 | |
28 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $3,271 | +0.186% | 34 | |
29 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,058 | +0.524% | 33 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,986 | +0.378% | 26 | |
31 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,647 | +0.387% | 25 | |
32 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Sound | $1,605 | +0.528% | 25 | |
33 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,235 | +0.665% | 24 | |
34 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,225 | +0.560% | 18 | |
35 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | Sound | $679 | +0.808% | 11 | |
36 | Community Bank of Mississippi | Strong | Mediocre | Strong | Strong | Exceptional | $2,004 | +0.276% | 284 | |
37 | Bank of England | Strong | Acceptable | Strong | Sound | Strong | $3,696 | +0.660% | 59 | |
38 | ACOPIA, LLC | Strong | Acceptable | Strong | Sound | Strong | $3,097 | +0.565% | 49 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,212 | +0.878% | 42 | |
40 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | Sound | $2,490 | +0.626% | 31 | |
41 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,986 | -0.210% | 29 | |
42 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,666 | +0.806% | 23 | |
43 | Hamilton Mortgage Corporation | Sound | Acceptable | Sound | Sound | Sound | $2,012 | +0.505% | 11 |
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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