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 | $1,170 | +0.118% | 753 | |
2 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,814 | +0.360% | 1,994 | |
3 | HANCOCK WHITNEY BANK | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
4 | Origin Bank | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
5 | Pinnacle Bank | Strong | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
6 | Cadence Bank | Strong | Sound | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
7 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,763 | +0.488% | 667 | |
8 | Eagle Bank and Trust Company | Strong | Sound | Exceptional | Strong | $3,143 | +0.344% | 175 | |
9 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,227 | +0.225% | 143 | |
10 | Community Bank of Mississippi | Strong | Acceptable | Exceptional | Exceptional | $1,884 | +0.466% | 971 | |
11 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,174 | +0.440% | 772 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,058 | +0.060% | 213 | |
13 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,300 | +0.146% | 114 | |
14 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $2,643 | +0.300% | 290 | |
15 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | $983 | +0.339% | 173 | |
16 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,621 | -0.040% | 138 | |
17 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | $1,774 | +0.352% | 133 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $3,061 | +0.298% | 495 | |
19 | Bank of England | Strong | Acceptable | Strong | Strong | $3,071 | +0.485% | 193 | |
20 | FIDELITY BANK | Strong | Acceptable | Strong | Strong | $2,188 | +0.559% | 139 |
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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