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 | Strong | $1,194 | +0.079% | 37 | |
2 | MARSHALL COMMUNITY CREDIT UNION | Exceptional | Strong | Exceptional | Exceptional | $924 | +0.054% | 121 | |
3 | KELLOGG COMMUNITY CREDIT UNION | Exceptional | Strong | Exceptional | Exceptional | $937 | +0.240% | 113 | |
4 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Exceptional | $1,049 | +0.292% | 59 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $651 | +0.466% | 67 | |
6 | The Huntington National Bank | Strong | Strong | Strong | Strong | $437 | +0.563% | 44 | |
7 | CONSUMERS CREDIT UNION | Strong | Strong | Strong | Strong | $1,092 | +0.501% | 40 | |
8 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | $1,185 | +0.235% | 34 | |
9 | Honor Credit Union | Strong | Strong | Strong | Strong | $795 | +0.156% | 29 | |
10 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,195 | +0.264% | 82 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,202 | +0.587% | 157 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,385 | +0.785% | 91 | |
13 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $1,652 | +0.581% | 45 | |
14 | GVC MORTGAGE, INC. | Sound | Mediocre | Exceptional | Strong | $3,749 | +0.803% | 58 | |
15 | CONTOUR MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | $2,645 | +0.474% | 22 | |
16 | OMNI COMMUNITY CREDIT UNION | Sound | Acceptable | Acceptable | Strong | $1,901 | +0.609% | 34 | |
17 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Strong | $4,505 | +0.541% | 29 | |
18 | SUMMIT HOME MORTGAGE, LLC | Sound | Acceptable | Acceptable | Strong | $2,677 | +0.581% | 26 |
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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