Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $337Credit | 0.247%Above | 427 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,262Fees | 0.571%Above | 3,431 | |
3 | Independent BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,203Fees | 0.337%Above | 166 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,753Fees | 0.478%Above | 99 | |
5 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,830Fees | 0.621%Above | 621 | |
6 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Strong | $1,059Fees | 0.003%Above | 278 | |
7 | University BankBank | Exceptional | Strong | Strong | Exceptional | Sound | $1,589Fees | 0.575%Above | 44 | |
8 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,694Fees | 0.466%Above | 3,175 | |
9 | MICHIGAN FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Exceptional | $1,256Fees | 0.389%Above | 268 | |
10 | First Merchants BankBank | Strong | Strong | Strong | Sound | Strong | $1,152Fees | 0.183%Above | 225 | |
11 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $478Credit | 0.088%Above | 158 | |
12 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,398Fees | 0.498%Above | 139 | |
13 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,778Fees | 0.641%Above | 116 | |
14 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,020Fees | 0.498%Above | 99 | |
15 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,432Fees | 0.435%Above | 70 | |
16 | Fifth Third Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $147Credit | 0.483%Above | 58 | |
17 | U.S. Bank National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $178Fees | 0.149%Above | 54 | |
18 | STAUNTON FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,819Fees | 0.367%Above | 424 | |
19 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,451Fees | 0.692%Above | 348 | |
20 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,842Fees | 0.738%Above | 204 | |
21 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $1,771Fees | 0.722%Above | 197 | |
22 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,909Fees | 0.641%Above | 172 | |
23 | First State BankBank | Strong | Sound | Strong | Strong | Strong | $1,433Fees | 0.226%Above | 83 | |
24 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Sound | $559Credit | 0.275%Above | 64 | |
25 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $1,988Fees | 0.528%Above | 49 | |
26 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,542Fees | 0.379%Above | 402 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,215Fees | 0.734%Above | 246 | |
28 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,974Fees | 0.249%Above | 228 | |
29 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,285Fees | 0.702%Above | 129 | |
30 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,954Fees | 1.349%Above | 108 | |
31 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,143Fees | 0.768%Above | 93 | |
32 | AMERICAN FINANCIAL NETWORK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,436Fees | 1.201%Above | 89 | |
33 | Superior National BankBank | Strong | Sound | Sound | Strong | Strong | $1,203Fees | 0.312%Above | 58 | |
34 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $1,300Fees | 0.615%Above | 54 | |
35 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,849Fees | 0.634%Above | 448 | |
36 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,296Fees | 1.086%Above | 191 | |
37 | ROSS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $1,922Fees | 0.506%Above | 177 | |
38 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,934Fees | 0.489%Above | 66 | |
39 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,674Fees | 0.700%Above | 59 | |
40 | ZILLOW HOME LOANS, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,013Fees | 0.886%Above | 37 | |
41 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,298Fees | 0.712%Above | 380 | |
42 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $1,103Fees | 0.005%Above | 184 | |
43 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,405Fees | 0.413%Above | 165 | |
44 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,044Fees | 0.560%Above | 99 | |
45 | PRESTON HOME LOANS INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,351Fees | 0.950%Above | 49 | |
46 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,969Fees | 0.766%Above | 42 | |
47 | AMERISAVE MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $3,825Fees | 0.972%Above | 42 | |
48 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,454Fees | 0.199%Above | 40 | |
49 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,748Fees | 0.823%Above | 106 | |
50 | BLG HOLDINGS, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Strong | Strong | $3,254Fees | 0.622%Above | 48 |
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.