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 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $890 | -0.180% | 217 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $727 | +0.025% | 108 | |
3 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,408 | +0.186% | 120 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $531 | +0.141% | 105 | |
5 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,526 | +0.132% | 82 | |
6 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,306 | +0.166% | 151 | |
7 | UNIVERSITY OF MICHIGAN CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $434 | +0.077% | 72 | |
8 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,044 | +0.004% | 54 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$225 | -0.069% | 40 | |
10 | Independent Bank | Exceptional | Strong | Strong | Strong | Strong | $1,021 | +0.278% | 32 | |
11 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Strong | $1,004 | +0.086% | 27 | |
12 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $394 | +0.150% | 18 | |
13 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $763 | -0.132% | 12 | |
14 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,920 | +0.079% | 11 | |
15 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | -$23 | -0.568% | 10 | |
16 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Exceptional | Sound | Acceptable | -$672 | +0.067% | 10 | |
17 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,201 | +0.269% | 347 | |
18 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $1,896 | +0.265% | 323 | |
19 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,323 | +0.096% | 91 | |
20 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Strong | Sound | $618 | -0.326% | 23 | |
21 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $1,164 | -0.026% | 16 | |
22 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $917 | +0.064% | 13 | |
23 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,872 | +0.107% | 12 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,165 | +0.292% | 184 | |
25 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,909 | +0.408% | 106 | |
26 | Premier Bank | Strong | Sound | Strong | Strong | Strong | $1,115 | +0.059% | 47 | |
27 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,610 | +0.302% | 28 | |
28 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $4,385 | +0.255% | 23 | |
29 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Acceptable | $1,097 | +0.285% | 10 | |
30 | University Bank | Strong | Acceptable | Strong | Strong | Exceptional | $1,799 | +0.286% | 129 | |
31 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,515 | +0.678% | 76 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,411 | +0.395% | 49 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,281 | +0.096% | 44 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,301 | +0.751% | 40 | |
35 | First State Bank | Strong | Sound | Strong | Strong | Sound | $1,861 | +0.239% | 11 | |
36 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,873 | -0.129% | 11 | |
37 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | Strong | $3,811 | -0.168% | 57 | |
38 | RESICENTRAL, LLC | Strong | Sound | Strong | Sound | Sound | $1,163 | +1.474% | 24 | |
39 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,451 | +0.271% | 18 | |
40 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,847 | +0.646% | 18 | |
41 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $5,746 | +0.649% | 14 | |
42 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $1,074 | -0.264% | 13 | |
43 | Genisys Credit Union | Strong | Sound | Strong | Sound | Sound | $1,121 | +0.309% | 13 | |
44 | DFCU FINANCIAL | Strong | Acceptable | Strong | Sound | Strong | $2,267 | +0.238% | 38 | |
45 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Sound | $2,454 | +0.477% | 19 | |
46 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $3,446 | +0.807% | 15 | |
47 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $1,857 | -0.041% | 14 | |
48 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,345 | +0.382% | 11 | |
49 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,158 | +0.324% | 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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