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 | $1,030 | +0.072% | 78 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $370 | +0.515% | 102 | |
3 | The State Bank | Exceptional | Exceptional | Sound | Strong | Strong | $786 | +0.034% | 72 | |
4 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,492 | +0.350% | 69 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $640 | -0.279% | 18 | |
6 | Dort Financial Credit Union | Exceptional | Sound | Strong | Exceptional | Exceptional | $573 | +0.221% | 167 | |
7 | ELGA CREDIT UNION | Exceptional | Strong | Sound | Strong | Exceptional | $1,013 | +0.376% | 123 | |
8 | FINANCIAL PLUS CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Strong | $255 | +0.311% | 50 | |
9 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,590 | +0.405% | 44 | |
10 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Sound | $1,331 | +0.257% | 24 | |
11 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,122 | +0.277% | 20 | |
12 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,099 | +0.576% | 587 | |
13 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,285 | +0.476% | 461 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,040 | +0.343% | 57 | |
15 | Independent Bank | Strong | Strong | Strong | Strong | Sound | $1,438 | +0.316% | 20 | |
16 | Fifth Third Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,468 | +0.217% | 16 | |
17 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,256 | +0.177% | 15 | |
18 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,029 | +0.255% | 12 | |
19 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $1,030 | +0.317% | 12 | |
20 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Strong | Sound | $768 | -0.158% | 12 | |
21 | First State Bank | Strong | Sound | Strong | Strong | Strong | $1,363 | +0.363% | 104 | |
22 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,168 | +0.469% | 27 | |
23 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Sound | $1,488 | +0.379% | 22 | |
24 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Sound | $2,147 | +0.572% | 21 | |
25 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $1,041 | +0.505% | 13 | |
26 | ChoiceOne Bank | Strong | Strong | Strong | Sound | Sound | $841 | -0.237% | 11 | |
27 | CREDIT UNION ONE | Strong | Strong | Strong | Sound | Sound | $277 | +0.326% | 10 | |
28 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,573 | +0.687% | 282 | |
29 | BLG HOLDINGS, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $3,060 | +0.669% | 154 | |
30 | DAS Acquisition Company, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,011 | +0.785% | 108 | |
31 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Strong | $2,792 | +0.820% | 95 | |
32 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $1,462 | +0.598% | 80 | |
33 | Genisys Credit Union | Strong | Sound | Strong | Sound | Strong | $787 | +0.132% | 79 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,267 | +0.995% | 49 | |
35 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,606 | +1.013% | 49 | |
36 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,427 | +0.355% | 47 | |
37 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,200 | +0.307% | 30 | |
38 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,095 | +0.628% | 50 | |
39 | NEW AMERICAN FUNDING, LLC | Strong | Acceptable | Exceptional | Sound | Strong | $3,151 | +0.868% | 49 | |
40 | Prosperity Home Mortgage, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,506 | +0.360% | 39 | |
41 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $2,418 | +0.543% | 33 | |
42 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,553 | +0.983% | 33 | |
43 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $802 | +0.535% | 29 | |
44 | MOVEMENT MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $2,134 | +0.698% | 25 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,236 | +0.607% | 20 | |
46 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $908 | +0.782% | 18 | |
47 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,542 | +0.958% | 12 | |
48 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD. | Strong | Acceptable | Exceptional | Strong | Sound | $3,064 | +0.849% | 11 | |
49 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Sound | Strong | $2,011 | +0.621% | 51 | |
50 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,895 | +0.929% | 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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