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 | DuPont Community Federally Insured State-Chartered Credit Union | Exceptional | Exceptional | Strong | Exceptional | Strong | $574 | -0.301% | 39 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $3,021 | +0.009% | 31 | |
3 | F & M BANK CORP. | Strong | Sound | Strong | Strong | Exceptional | $2,011 | +0.279% | 156 | |
4 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,579 | +0.390% | 88 | |
5 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,867 | +0.142% | 49 | |
6 | Alcova Mortgage LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,477 | +0.735% | 43 | |
7 | United Bank | Strong | Sound | Strong | Strong | Strong | $2,603 | -0.108% | 43 | |
8 | Atlantic Coast Mortgage, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,798 | +0.386% | 17 | |
9 | Integrity Home Mortgage Corporation | Strong | Acceptable | Strong | Strong | Exceptional | $3,896 | +0.392% | 87 | |
10 | PARK VIEW FEDERAL CREDIT UNION | Strong | Acceptable | Sound | Exceptional | Exceptional | $2,798 | +0.128% | 77 | |
11 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,717 | +0.464% | 62 | |
12 | LOWER, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,118 | +0.203% | 16 | |
13 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Sound | $1,395 | +0.014% | 13 | |
14 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $2,997 | +0.472% | 12 | |
15 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Sound | $4,040 | +0.366% | 21 | |
16 | EVERETT FINANCIAL, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $3,843 | +0.548% | 23 | |
17 | NEWREZ LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,494 | +0.251% | 10 |
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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