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 | KEESLER | Exceptional | Exceptional | Strong | Strong | Exceptional | $575 | -0.420% | 364 | |
2 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $59 | -0.372% | 264 | |
3 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
4 | BankPlus | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,170 | +0.118% | 753 | |
5 | Community Bank of Mississippi | Exceptional | Strong | Strong | Strong | Exceptional | $1,884 | +0.466% | 971 | |
6 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,053 | +0.384% | 339 | |
7 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,082 | +0.436% | 242 | |
8 | Trustmark National Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
9 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,626 | +0.212% | 682 | |
11 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,738 | +0.329% | 388 | |
12 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Strong | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
13 | Eagle Bank and Trust Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,143 | +0.344% | 175 | |
14 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,315 | -0.138% | 161 | |
16 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,949 | +0.433% | 135 | |
17 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
18 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Strong | $1,300 | +0.146% | 114 | |
19 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $2,559 | +0.071% | 69 | |
20 | Liberty | Exceptional | Strong | Exceptional | Strong | Sound | $1,203 | +0.558% | 67 | |
21 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
22 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,763 | +0.488% | 667 | |
23 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
24 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,165 | +0.497% | 225 | |
25 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,469 | +0.431% | 197 | |
26 | Bank of England | Strong | Sound | Exceptional | Strong | Strong | $3,071 | +0.485% | 193 | |
27 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,850 | +0.490% | 178 | |
28 | FIDELITY BANK | Strong | Sound | Exceptional | Strong | Strong | $2,188 | +0.559% | 139 | |
29 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.295% | 135 | |
30 | Magnolia Bank, Incorporated | Strong | Sound | Strong | Strong | Strong | $2,643 | +0.300% | 290 | |
31 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,525 | +0.036% | 217 | |
32 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,541 | +0.662% | 191 | |
33 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,201 | +0.412% | 189 | |
34 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036 | +0.519% | 178 | |
35 | The Citizens National Bank of Meridian | Strong | Strong | Sound | Sound | Strong | $983 | +0.339% | 173 | |
36 | Merchants & Marine Bank | Strong | Sound | Strong | Strong | Strong | $1,774 | +0.352% | 133 | |
37 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,689 | +0.424% | 127 | |
38 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $1,953 | +0.731% | 123 | |
39 | DELMAR FINANCIAL COMPANY | Strong | Sound | Strong | Strong | Strong | $2,744 | +0.658% | 68 | |
40 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $2,729 | +0.589% | 52 | |
41 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Sound | Exceptional | $949 | +0.535% | 894 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,882 | +0.448% | 497 | |
43 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,513 | +0.586% | 407 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.538% | 241 | |
45 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,058 | +0.060% | 213 | |
46 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,776 | +0.319% | 191 | |
47 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.683% | 157 | |
48 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,227 | +0.225% | 143 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,365 | +0.400% | 96 | |
50 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,825 | +0.913% | 93 |
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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