Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,061Fees | 0.077%Below | 2,736 | |
2 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,490Fees | 0.327%Above | 996 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $215Fees | 0.355%Above | 377 | |
4 | Independent BankBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,061Fees | 0.211%Above | 316 | |
5 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,717Fees | 0.386%Above | 184 | |
6 | Mercantile BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $741Fees | 0.197%Above | 547 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $739Fees | 0.201%Above | 444 | |
8 | The Dart BankBank | Exceptional | Strong | Strong | Strong | Strong | $2,028Fees | 0.183%Above | 242 | |
9 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $3,151Fees | 0.268%Above | 53 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,851Fees | 0.377%Above | 912 | |
11 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Sound | Strong | Strong | Exceptional | $4,046Fees | 0.370%Above | 338 | |
12 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Strong | $1,986Fees | 0.521%Above | 190 | |
13 | Northpointe BankBank | Strong | Sound | Exceptional | Strong | Strong | $2,709Fees | 0.274%Above | 161 | |
14 | MMS MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Strong | Sound | Strong | Strong | $2,247Fees | 0.111%Above | 85 | |
15 | UNITED FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Strong | Sound | Strong | $1,460Fees | 0.145%Above | 74 | |
16 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,685Fees | 0.203%Below | 49 | |
17 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,118Fees | 0.522%Above | 224 | |
18 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,005Fees | 0.786%Above | 166 | |
19 | MICHIGAN FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Strong | $1,507Fees | 0.177%Above | 120 | |
20 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,921Fees | 0.273%Above | 54 | |
21 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,940Fees | 0.520%Above | 45 | |
22 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Sound | $2,608Fees | 0.367%Above | 29 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,092Fees | 0.541%Above | 242 | |
24 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,166Fees | 0.255%Above | 201 | |
25 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,821Fees | 0.406%Above | 103 | |
26 | FAIRWAY INDEPENDENT MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $2,608Fees | 0.435%Above | 97 | |
27 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Sound | $2,348Fees | 0.536%Above | 74 | |
28 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Sound | $3,186Fees | 0.519%Above | 36 | |
29 | Horizon BankBank | Strong | Strong | Sound | Sound | Sound | $1,431Fees | 0.313%Above | 36 | |
30 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Strong | $4,463Fees | 0.649%Above | 107 | |
31 | PFN Lending Group, Inc.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Sound | $2,370Fees | 0.819%Above | 42 | |
32 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $1,636Fees | 0.094%Above | 30 | |
33 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,711Fees | 0.438%Above | 356 | |
34 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,259Fees | 0.426%Above | 308 | |
35 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $4,882Fees | 0.663%Above | 175 | |
36 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $5,323Fees | 0.370%Above | 43 | |
37 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $1,639Fees | 0.104%Above | 39 | |
38 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,484Fees | 0.481%Above | 100 | |
39 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,868Fees | 0.395%Above | 71 | |
40 | PRESTON HOME LOANS INCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,092Fees | 0.670%Above | 27 | |
41 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Sound | $2,942Fees | 0.904%Above | 28 | |
42 | TOP FLITE FINANCIAL, INC.Independent Mortgage Company | Sound | Mediocre | Strong | Sound | Sound | $2,401Fees | 0.673%Above | 36 |
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.