Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | DuPont Community Federally Insured State-Chartered Credit UnionCredit Union | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $252Fees | 0.182%Below | 117 | |
2 | City National Bank of West VirginiaBank | Exceptional | Strong | Exceptional | Strong | Strong | $116Credit | 0.317%Below | 41 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $598Fees | 0.674%Below | 25 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $3,771Fees | 0.017%Above | 24 | |
5 | Alcova Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,137Fees | 0.716%Above | 182 | |
6 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,906Fees | 0.310%Above | 130 | |
7 | F & M BANK CORP.Independent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $2,224Fees | 0.338%Above | 58 | |
8 | First Heritage Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Exceptional | Sound | $2,018Fees | 0.405%Above | 19 | |
9 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,526Fees | 0.263%Below | 17 | |
10 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,477Fees | 0.098%Below | 47 | |
11 | ATLANTIC BAY MORTGAGE GROUP, L.L.C.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,187Fees | 0.471%Above | 30 | |
12 | Atlantic Coast Mortgage, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,663Fees | 0.129%Above | 11 | |
13 | C & F Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Exceptional | $2,766Fees | 0.581%Above | 71 | |
14 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,205Fees | 0.475%Above | 54 | |
15 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,550Fees | 0.785%Above | 49 | |
16 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,894Fees | 0.295%Above | 48 | |
17 | Prosperity Home Mortgage, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,708Fees | 0.478%Above | 30 | |
18 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,415Fees | 0.101%Above | 20 | |
19 | United BankBank | Strong | Sound | Strong | Strong | Sound | $1,741Fees | 0.168%Above | 12 | |
20 | Integrity Home Mortgage CorporationIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,203Fees | 0.492%Above | 35 | |
21 | GRAY FOX MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $3,251Fees | 0.242%Above | 21 | |
22 | NFM, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,161Fees | 0.737%Above | 44 | |
23 | Waterstone Mortgage CorporationIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,449Fees | 0.633%Above | 38 | |
24 | PARK VIEW FEDERAL CREDIT UNIONCredit Union | Strong | Acceptable | Sound | Exceptional | Sound | $3,252Fees | 0.256%Above | 14 | |
25 | FIRST BANCORP, INC.Bank | Sound | Mediocre | Strong | Strong | Strong | $1,377Fees | 0.729%Above | 23 | |
26 | Ixonia BankBank | Sound | Mediocre | Exceptional | Strong | Sound | $3,180Fees | 0.731%Above | 13 | |
27 | EMBRACE HOME LOANS, INC.Independent Mortgage Company | Sound | Acceptable | Strong | Sound | Sound | $1,648Fees | 0.090%Above | 12 | |
28 | EVERETT FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Acceptable | $2,426Fees | 0.851%Above | 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.