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 | NEWPORT NEWS SHIPBUILDING EMPLOYEES CREDIT UNION, INC. DBA BAYPORT CREDIT UNION | Exceptional | Exceptional | Strong | Exceptional | Exceptional | $1,002 | -0.888% | 296 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,999 | +0.073% | 211 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,516 | -0.098% | 130 | |
4 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Sound | $858 | -0.026% | 72 | |
5 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,502 | +0.047% | 192 | |
6 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $4,466 | +0.265% | 1,581 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,708 | -0.210% | 1,433 | |
8 | MOVEMENT MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,045 | +0.159% | 863 | |
9 | Fulton Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,562 | +0.306% | 89 | |
10 | ATLANTIC BAY MORTGAGE GROUP, L.L.C. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,805 | +0.289% | 1,813 | |
11 | Towne Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,810 | +0.203% | 450 | |
12 | Advance Financial Group, LLC | Strong | Acceptable | Strong | Strong | Exceptional | $4,257 | +0.092% | 442 | |
13 | C & F Mortgage Corporation | Strong | Acceptable | Strong | Strong | Strong | $3,805 | +0.225% | 166 | |
14 | SOUTHERN TRUST MORTGAGE, LLC | Sound | Mediocre | Strong | Sound | Exceptional | $4,240 | +0.307% | 974 |
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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