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 | Exceptional | $2,055 | +0.220% | 450 | |
2 | BankPlus | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,142 | +0.071% | 318 | |
3 | KEESLER | Exceptional | Exceptional | Strong | Strong | Strong | $685 | -0.524% | 36 | |
4 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Exceptional | $2,004 | +0.276% | 284 | |
5 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,167 | +0.588% | 49 | |
6 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,441 | +0.416% | 718 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,786 | +0.335% | 228 | |
8 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $693 | +0.415% | 106 | |
9 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Sound | $1,094 | +0.370% | 39 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,806 | +0.476% | 421 | |
11 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $1,924 | +0.386% | 127 | |
12 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,977 | +0.572% | 98 | |
13 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,721 | +0.514% | 62 | |
14 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,696 | +0.660% | 59 | |
15 | SWBC MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | Sound | $2,335 | +0.442% | 46 | |
16 | PENNYMAC LOAN SERVICES, LLC | Strong | Strong | Exceptional | Sound | Sound | $1,431 | -0.190% | 26 | |
17 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Exceptional | Sound | $1,605 | +0.528% | 25 | |
18 | Towne Bank | Strong | Sound | Exceptional | Exceptional | Sound | $3,311 | +0.369% | 13 | |
19 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,346 | +0.631% | 128 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,632 | +0.449% | 60 | |
21 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $1,772 | +0.359% | 57 | |
22 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,271 | +0.186% | 34 | |
23 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,666 | +0.701% | 32 | |
24 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Sound | $2,490 | +0.626% | 31 | |
25 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $2,762 | +0.667% | 227 | |
26 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,540 | +0.491% | 155 | |
27 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,794 | +0.716% | 89 | |
28 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,647 | +0.387% | 25 | |
29 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,235 | +0.665% | 24 | |
30 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Sound | $1,666 | +0.806% | 23 | |
31 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Strong | -$519 | +0.591% | 139 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,833 | +1.063% | 17 | |
33 | CARRINGTON MORTGAGE SERVICES, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $4,235 | +0.875% | 20 | |
34 | AMERISAVE MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Sound | Sound | $4,650 | +1.005% | 12 | |
35 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,097 | +0.565% | 49 | |
36 | CROSSCOUNTRY MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,058 | +0.524% | 33 | |
37 | NATIONSTAR MORTGAGE LLC | Sound | Mediocre | Exceptional | Strong | Sound | $3,986 | +0.378% | 26 | |
38 | Ixonia Bank | Sound | Mediocre | Exceptional | Strong | Sound | $3,676 | +0.814% | 13 | |
39 | NEW AMERICAN FUNDING, LLC | Sound | Mediocre | Exceptional | Sound | Sound | $4,212 | +0.878% | 42 |
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.
Get personalized recommendations based on your specific needs