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 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $59 | -0.372% | 264 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $792 | -0.399% | 332 | |
3 | BankPlus | Exceptional | Strong | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
4 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
5 | Cadence Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
6 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
7 | GMFS LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,053 | +0.384% | 339 | |
8 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
9 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,227 | +0.225% | 143 | |
10 | Liberty | Exceptional | Strong | Exceptional | Strong | Sound | $1,203 | +0.558% | 67 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
12 | KEESLER | Strong | Strong | Sound | Sound | Exceptional | $575 | -0.420% | 364 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,058 | +0.060% | 213 | |
14 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,469 | +0.431% | 197 | |
15 | First Horizon Bank | Strong | Sound | Exceptional | Strong | Strong | $1,300 | +0.146% | 114 | |
16 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
17 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,626 | +0.212% | 682 | |
18 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,763 | +0.488% | 667 | |
19 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,541 | +0.662% | 191 | |
20 | Eagle Bank and Trust Company | Strong | Sound | Strong | Strong | Strong | $3,143 | +0.344% | 175 | |
21 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,315 | -0.138% | 161 | |
22 | Origin Bank | Strong | Sound | Strong | Strong | Strong | $761 | +0.384% | 130 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $2,697 | +0.264% | 80 | |
24 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
25 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,744 | +0.658% | 68 | |
26 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,882 | +0.448% | 497 | |
27 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
28 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.613% | 476 | |
29 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,513 | +0.586% | 407 | |
30 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,738 | +0.329% | 388 | |
31 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Sound | Strong | $2,082 | +0.436% | 242 | |
32 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.538% | 241 | |
33 | MORTGAGE INVESTORS GROUP, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,165 | +0.497% | 225 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,525 | +0.036% | 217 | |
35 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,776 | +0.319% | 191 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,201 | +0.412% | 189 | |
37 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,036 | +0.519% | 178 | |
38 | The Citizens National Bank of Meridian | Strong | Sound | Sound | Strong | Strong | $983 | +0.339% | 173 | |
39 | FIRST COLONY MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,306 | +0.295% | 135 | |
40 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $2,949 | +0.433% | 135 | |
41 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | Strong | $1,774 | +0.352% | 133 | |
42 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.424% | 127 | |
43 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,354 | +0.414% | 108 | |
44 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,365 | +0.400% | 96 | |
45 | LOANSTEADY LLC | Strong | Sound | Strong | Sound | Strong | $2,729 | +0.589% | 52 | |
46 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Sound | Exceptional | $949 | +0.535% | 894 | |
47 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,217 | +0.703% | 331 | |
48 | Magnolia Bank, Incorporated | Strong | Acceptable | Strong | Strong | Strong | $2,643 | +0.300% | 290 | |
49 | PLANET HOME LENDING, LLC | Strong | Acceptable | Strong | Strong | Strong | $2,850 | +0.490% | 178 | |
50 | 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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