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