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 | Trustmark National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,814 | +0.360% | 1,994 | |
2 | GMFS LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,053 | +0.384% | 339 | |
3 | DSLD MORTGAGE, LLC | Exceptional | Exceptional | Exceptional | Strong | Strong | $59 | -0.372% | 264 | |
4 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
5 | BankPlus | Exceptional | Strong | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
6 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,626 | +0.212% | 682 | |
7 | KEESLER | Exceptional | Exceptional | — | Sound | Exceptional | $575 | -0.420% | 364 | |
8 | COMMUNITY MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
9 | GUILD MORTGAGE COMPANY LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,457 | +0.538% | 241 | |
10 | Eagle Bank and Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $3,143 | +0.344% | 175 | |
11 | HANCOCK WHITNEY BANK | Exceptional | Strong | Exceptional | Strong | Strong | $1,609 | +0.219% | 162 | |
12 | Renasant Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,174 | +0.440% | 772 | |
13 | FIRST COMMUNITY MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,201 | +0.412% | 189 | |
14 | Origin Bank | Exceptional | Strong | Strong | Strong | Strong | $761 | +0.384% | 130 | |
15 | CMG MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,882 | +0.448% | 497 | |
16 | Magnolia Bank, Incorporated | Strong | Sound | Exceptional | Strong | Strong | $2,643 | +0.300% | 290 | |
17 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,165 | +0.497% | 225 | |
18 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,850 | +0.490% | 178 | |
19 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.295% | 135 | |
20 | TOWNE MORTGAGE COMPANY | Strong | Sound | Exceptional | Strong | Strong | $2,949 | +0.433% | 135 | |
21 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Sound | Strong | $3,061 | +0.298% | 495 | |
22 | Community Bank of Mississippi | Strong | Acceptable | Strong | Strong | Exceptional | $1,884 | +0.466% | 971 | |
23 | Regions Bank | Strong | Acceptable | Exceptional | Sound | Exceptional | $1,763 | +0.488% | 667 | |
24 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,513 | +0.586% | 407 | |
25 | SWBC MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,738 | +0.329% | 388 | |
26 | American Mortgage Bank, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,691 | +0.683% | 278 | |
27 | Nations Lending Corporation | Strong | Acceptable | Exceptional | Strong | Strong | $2,541 | +0.662% | 191 | |
28 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,776 | +0.319% | 191 | |
29 | FIDELITY BANK | Strong | Acceptable | Exceptional | Strong | Strong | $2,188 | +0.559% | 139 | |
30 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $3,689 | +0.424% | 127 | |
31 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,365 | +0.400% | 96 | |
32 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,825 | +0.913% | 93 | |
33 | GENEVA FINANCIAL, LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,851 | +0.991% | 68 | |
34 | LOANSTEADY LLC | Strong | Acceptable | Strong | Exceptional | Strong | $2,729 | +0.589% | 52 | |
35 | Bank of England | Strong | Acceptable | Exceptional | Sound | Strong | $3,071 | +0.485% | 193 | |
36 | Merchants & Marine Bank | Strong | Sound | — | Sound | Strong | $1,774 | +0.352% | 133 | |
37 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,392 | +0.613% | 476 | |
38 | NEW AMERICAN FUNDING, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $3,217 | +0.703% | 331 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Mediocre | Exceptional | Strong | Strong | $3,525 | +0.036% | 217 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Mediocre | Exceptional | Strong | Strong | $3,036 | +0.519% | 178 | |
41 | ACOPIA, LLC | Sound | Mediocre | Strong | Strong | Strong | $3,683 | +0.348% | 99 | |
42 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Sound | Acceptable | Sound | Acceptable | Strong | $2,383 | +0.683% | 157 | |
43 | DELMAR FINANCIAL COMPANY | Sound | Acceptable | Sound | Acceptable | Strong | $2,744 | +0.658% | 68 |
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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