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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | $59 | -0.372% | 264 | |
2 | KEESLER | Exceptional | Exceptional | Sound | Exceptional | $575 | -0.420% | 364 | |
3 | BankPlus | Exceptional | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $792 | -0.399% | 332 | |
5 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,814 | +0.360% | 1,994 | |
6 | COMMUNITY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
7 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
8 | Origin Bank | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
9 | Pinnacle Bank | Strong | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
10 | Liberty | Strong | Strong | Exceptional | Sound | $1,203 | +0.558% | 67 | |
11 | Cadence Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,626 | +0.212% | 682 | |
13 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,763 | +0.488% | 667 | |
14 | GMFS LLC | Strong | Sound | Exceptional | Strong | $2,053 | +0.384% | 339 | |
15 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | $2,165 | +0.497% | 225 | |
16 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Strong | $3,143 | +0.344% | 175 | |
17 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,227 | +0.225% | 143 | |
18 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | $2,306 | +0.295% | 135 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
20 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Exceptional | $1,884 | +0.466% | 971 | |
21 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,174 | +0.440% | 772 | |
22 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,082 | +0.436% | 242 | |
23 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,058 | +0.060% | 213 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $3,469 | +0.431% | 197 | |
25 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $3,776 | +0.319% | 191 | |
26 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,315 | -0.138% | 161 | |
27 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,300 | +0.146% | 114 | |
28 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | $2,744 | +0.658% | 68 | |
29 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | $2,729 | +0.589% | 52 | |
30 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $949 | +0.535% | 894 | |
31 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,882 | +0.448% | 497 | |
32 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $2,738 | +0.329% | 388 | |
33 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $2,643 | +0.300% | 290 | |
34 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | $2,457 | +0.538% | 241 | |
35 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,525 | +0.036% | 217 | |
36 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | $2,541 | +0.662% | 191 | |
37 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,201 | +0.412% | 189 | |
38 | PLANET HOME LENDING, LLC | Strong | Acceptable | Exceptional | Strong | $2,850 | +0.490% | 178 | |
39 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | $3,036 | +0.519% | 178 | |
40 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | $983 | +0.339% | 173 | |
41 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,621 | -0.040% | 138 | |
42 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | $1,774 | +0.352% | 133 | |
43 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | $3,689 | +0.424% | 127 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | $3,365 | +0.400% | 96 | |
45 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,061 | +0.298% | 495 | |
46 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,392 | +0.613% | 476 | |
47 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $3,513 | +0.586% | 407 | |
48 | American Mortgage Bank, LLC | Strong | Acceptable | Strong | Strong | $2,691 | +0.683% | 278 | |
49 | Bank of England | Strong | Acceptable | Strong | Strong | $3,071 | +0.485% | 193 | |
50 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Strong | Strong | $2,383 | +0.683% | 157 |
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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