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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $890 | -0.180% | 217 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Exceptional | $727 | +0.025% | 108 | |
3 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,408 | +0.186% | 120 | |
4 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $531 | +0.141% | 105 | |
5 | The Dart Bank | Exceptional | Strong | Strong | Exceptional | $1,526 | +0.132% | 82 | |
6 | UNIVERSITY OF MICHIGAN CREDIT UNION | Exceptional | Exceptional | Acceptable | Exceptional | $434 | +0.077% | 72 | |
7 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $1,896 | +0.265% | 323 | |
8 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $2,306 | +0.166% | 151 | |
9 | University Bank | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.286% | 129 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,044 | +0.004% | 54 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$225 | -0.069% | 40 | |
12 | Independent Bank | Strong | Strong | Strong | Strong | $1,021 | +0.278% | 32 | |
13 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,004 | +0.086% | 27 | |
14 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Sound | $618 | -0.326% | 23 | |
15 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,201 | +0.269% | 347 | |
16 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $1,909 | +0.408% | 106 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,323 | +0.096% | 91 | |
18 | Premier Bank | Strong | Sound | Strong | Strong | $1,115 | +0.059% | 47 | |
19 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Exceptional | $2,165 | +0.292% | 184 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $2,301 | +0.751% | 40 | |
21 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Sound | $1,610 | +0.302% | 28 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $4,385 | +0.255% | 23 | |
23 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $2,515 | +0.678% | 76 | |
24 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,811 | -0.168% | 57 | |
25 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,411 | +0.395% | 49 | |
26 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,281 | +0.096% | 44 | |
27 | RESICENTRAL, LLC | Strong | Sound | Sound | Sound | $1,163 | +1.474% | 24 | |
28 | DFCU FINANCIAL | Sound | Acceptable | Sound | Strong | $2,267 | +0.238% | 38 |
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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