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 | Strong | $1,194 | +0.079% | 37 | |
2 | MARSHALL COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Exceptional | $924 | +0.054% | 121 | |
3 | KELLOGG COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Exceptional | $937 | +0.240% | 113 | |
4 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Exceptional | $1,049 | +0.292% | 59 | |
5 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $437 | +0.563% | 44 | |
6 | CONSUMERS CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Strong | $1,092 | +0.501% | 40 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $651 | +0.466% | 67 | |
8 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Strong | $1,185 | +0.235% | 34 | |
9 | Honor Credit Union | Exceptional | Strong | Strong | Strong | Strong | $795 | +0.156% | 29 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,202 | +0.587% | 157 | |
11 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $881 | +0.425% | 10 | |
12 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,385 | +0.785% | 91 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,195 | +0.264% | 82 | |
14 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Sound | $1,362 | -0.052% | 13 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,841 | +0.508% | 11 | |
16 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $3,749 | +0.803% | 58 | |
17 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,652 | +0.581% | 45 | |
18 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Strong | Sound | $1,565 | +0.538% | 14 | |
19 | CONTOUR MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,645 | +0.474% | 22 | |
20 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,130 | +0.568% | 18 | |
21 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Sound | $4,213 | +0.792% | 15 | |
22 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $223 | +0.288% | 13 | |
23 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,214 | +1.239% | 12 | |
24 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $4,123 | +0.431% | 11 | |
25 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $4,345 | +0.723% | 11 | |
26 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,095 | +0.822% | 11 | |
27 | OMNI COMMUNITY CREDIT UNION | Sound | Acceptable | Sound | Sound | Strong | $1,901 | +0.609% | 34 | |
28 | SUMMIT HOME MORTGAGE, LLC | Sound | Acceptable | Sound | Sound | Strong | $2,677 | +0.581% | 26 | |
29 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Strong | $4,505 | +0.541% | 29 |
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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