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 | Exceptional | Strong | $59 | -0.372% | 264 | |
2 | BankPlus | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,170 | +0.118% | 753 | |
3 | KEESLER | Exceptional | Exceptional | Strong | Strong | Exceptional | $575 | -0.420% | 364 | |
4 | Origin Bank | Exceptional | Exceptional | Strong | Exceptional | Strong | $761 | +0.384% | 130 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,626 | +0.212% | 682 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $792 | -0.399% | 332 | |
7 | MORTGAGE INVESTORS GROUP, INC. | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,165 | +0.497% | 225 | |
8 | FIRST COLONY MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Exceptional | Strong | $2,306 | +0.295% | 135 | |
9 | First Horizon Bank | Exceptional | Exceptional | Strong | Strong | Strong | $1,300 | +0.146% | 114 | |
10 | Trustmark National Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,814 | +0.360% | 1,994 | |
11 | Renasant Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,174 | +0.440% | 772 | |
12 | GMFS LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,053 | +0.384% | 339 | |
13 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,082 | +0.436% | 242 | |
14 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $3,776 | +0.319% | 191 | |
15 | Eagle Bank and Trust Company | Exceptional | Strong | Strong | Exceptional | Strong | $3,143 | +0.344% | 175 | |
16 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,315 | -0.138% | 161 | |
17 | CMG MORTGAGE, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,882 | +0.448% | 497 | |
18 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,738 | +0.329% | 388 | |
19 | JPMorgan Chase Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,058 | +0.060% | 213 | |
20 | HANCOCK WHITNEY BANK | Exceptional | Strong | Strong | Strong | Strong | $1,609 | +0.219% | 162 | |
21 | USAA Federal Savings Bank | Exceptional | Strong | Exceptional | Sound | Strong | $1,621 | -0.040% | 138 | |
22 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,949 | +0.433% | 135 | |
23 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $3,689 | +0.424% | 127 | |
24 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,780 | +0.490% | 2,014 | |
25 | Cadence Bank | Strong | Sound | Strong | Strong | Exceptional | $1,815 | +0.293% | 1,336 | |
26 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $3,061 | +0.298% | 495 | |
27 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $3,469 | +0.431% | 197 | |
28 | PLANET HOME LENDING, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,850 | +0.490% | 178 | |
29 | NEWREZ LLC | Strong | Sound | Exceptional | Strong | Strong | $1,953 | +0.731% | 123 | |
30 | MOVEMENT MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | Sound | $2,822 | +0.453% | 58 | |
31 | Community Bank of Mississippi | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,884 | +0.466% | 971 | |
32 | Mortgage Research Center, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $949 | +0.535% | 894 | |
33 | Regions Bank | Strong | Sound | Strong | Sound | Exceptional | $1,763 | +0.488% | 667 | |
34 | COMMUNITY MORTGAGE CORPORATION | Strong | Acceptable | Strong | Exceptional | Exceptional | $3,754 | +0.171% | 351 | |
35 | American Mortgage Bank, LLC | Strong | Sound | Strong | Strong | Strong | $2,691 | +0.683% | 278 | |
36 | Bank of England | Strong | Sound | Strong | Strong | Strong | $3,071 | +0.485% | 193 | |
37 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,201 | +0.412% | 189 | |
38 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,036 | +0.519% | 178 | |
39 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,697 | +0.264% | 80 | |
40 | LOANSTEADY LLC | Strong | Sound | Strong | Strong | Strong | $2,729 | +0.589% | 52 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,392 | +0.613% | 476 | |
42 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,513 | +0.586% | 407 | |
43 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | Strong | $2,643 | +0.300% | 290 | |
44 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,457 | +0.538% | 241 | |
45 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,525 | +0.036% | 217 | |
46 | MORTGAGE SOLUTIONS OF COLORADO, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,383 | +0.683% | 157 | |
47 | Merchants & Marine Bank | Strong | Sound | Sound | Strong | Strong | $1,774 | +0.352% | 133 | |
48 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,354 | +0.414% | 108 | |
49 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,365 | +0.400% | 96 | |
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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