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 | JET HOMELOANS, LP | Exceptional | Exceptional | Strong | Exceptional | Strong | $2,874 | +0.265% | 99 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,130 | +0.034% | 345 | |
3 | ServisFirst Bank | Exceptional | Exceptional | Strong | Strong | Strong | $2,171 | +0.129% | 91 | |
4 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $3,363 | +0.024% | 2,369 | |
5 | Legacy Home Loans, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,868 | +0.146% | 1,104 | |
6 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,470 | +0.050% | 648 | |
7 | SWBC MORTGAGE CORPORATION | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,106 | +0.230% | 518 | |
8 | VANDERBILT MORTGAGE AND FINANCE, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,837 | +0.111% | 474 | |
9 | First Horizon Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,095 | +0.015% | 346 | |
10 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,998 | +0.261% | 242 | |
11 | The First National Bank of Middle Tennessee | Exceptional | Strong | Strong | Strong | Exceptional | $2,482 | +0.195% | 192 | |
12 | Liberty | Exceptional | Strong | Exceptional | Strong | Strong | $1,776 | +0.466% | 185 | |
13 | INTERLINC MORTGAGE SERVICES, LLC | Exceptional | Strong | Exceptional | Strong | Strong | $2,895 | +0.208% | 175 | |
14 | Cadence Bank | Exceptional | Strong | Exceptional | Strong | Strong | $2,618 | -0.049% | 175 | |
15 | Legends Bank | Exceptional | Strong | Strong | Exceptional | Strong | $2,576 | +0.266% | 97 | |
16 | FirstBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,182 | +0.139% | 932 | |
17 | LOANDEPOT.COM, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,284 | -0.187% | 755 | |
18 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,400 | +0.105% | 424 | |
19 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,483 | -0.014% | 414 | |
20 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $692 | +0.027% | 168 | |
21 | Bank of Tennessee | Exceptional | Strong | Strong | Strong | Strong | $2,872 | +0.149% | 130 | |
22 | The Farmers Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,214 | -0.085% | 113 | |
23 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,690 | +0.199% | 2,107 | |
24 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,895 | +0.426% | 683 | |
25 | Primis Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $3,478 | +0.289% | 405 | |
26 | Regions Bank | Strong | Sound | Exceptional | Sound | Exceptional | $1,522 | +0.233% | 392 | |
27 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,209 | +0.254% | 320 | |
28 | MORTGAGE INVESTORS GROUP, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,726 | +0.119% | 270 | |
29 | INSPIRE HOME LOANS INC. | Strong | Sound | Exceptional | Strong | Strong | $3,981 | +0.414% | 226 | |
30 | Renasant Bank | Strong | Sound | Exceptional | Strong | Strong | $3,336 | +0.081% | 139 | |
31 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$903 | +0.038% | 123 | |
32 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,197 | +0.287% | 103 | |
33 | FIRST COLONY MORTGAGE CORPORATION | Strong | Sound | Exceptional | Strong | Strong | $2,472 | +0.334% | 79 | |
34 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,874 | +0.329% | 1,585 | |
35 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,154 | +0.202% | 690 | |
36 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $4,347 | +0.379% | 423 | |
37 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,698 | +0.262% | 217 | |
38 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,880 | +0.376% | 123 | |
39 | Heritage Mortgage, LLC | Strong | Sound | Strong | Strong | Strong | $3,299 | +0.257% | 116 | |
40 | United Community Bank | Strong | Sound | Strong | Strong | Strong | $2,427 | +0.376% | 81 | |
41 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $3,054 | +0.289% | 80 | |
42 | KIND LENDING, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,747 | +0.379% | 67 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,699 | +0.144% | 427 | |
44 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,917 | -0.078% | 168 | |
45 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Strong | $3,966 | +0.458% | 112 | |
46 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,561 | +0.499% | 104 | |
47 | Paramount Residential Mortgage Group, Inc. | Strong | Acceptable | Exceptional | Strong | Strong | $5,096 | +0.469% | 85 | |
48 | STOCKTON MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $3,165 | +0.400% | 85 | |
49 | Equity Prime Mortgage LLC | Strong | Acceptable | Exceptional | Strong | Strong | $5,430 | +0.812% | 78 | |
50 | T2 FINANCIAL LLC | Strong | Acceptable | Exceptional | Exceptional | Sound | $4,230 | +0.270% | 67 |
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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