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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 | Sound | $1,260 | -0.053% | 16 | |
2 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,359 | +0.399% | 136 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | -$233 | +0.676% | 70 | |
4 | MARSHALL COMMUNITY CREDIT UNION | Exceptional | Strong | Strong | Exceptional | Strong | $634 | +0.291% | 15 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $218 | -0.577% | 14 | |
6 | RUOFF MORTGAGE COMPANY, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,911 | +0.411% | 101 | |
7 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,342 | +0.346% | 33 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $625 | +0.467% | 30 | |
9 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,039 | +0.184% | 21 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,184 | +0.570% | 257 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,339 | +0.390% | 137 | |
12 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,869 | +0.128% | 15 | |
13 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,225 | +0.282% | 13 | |
14 | Independent Bank | Strong | Strong | Strong | Strong | Sound | $1,171 | +0.270% | 11 | |
15 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,069 | +0.407% | 117 | |
16 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,589 | +0.627% | 80 | |
17 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,997 | +0.212% | 14 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $4,075 | +0.923% | 88 | |
19 | TOWNE MORTGAGE COMPANY | Strong | Acceptable | Exceptional | Strong | Strong | $1,256 | +0.313% | 41 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $2,964 | +1.012% | 35 | |
21 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,608 | +0.569% | 33 | |
22 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Sound | $2,328 | +0.343% | 28 | |
23 | Premier Bank | Strong | Sound | Strong | Strong | Sound | $1,285 | +0.451% | 10 | |
24 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $2,657 | +1.017% | 23 | |
25 | HOWARD HANNA FINANCIAL SERVICES, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,675 | +0.363% | 14 | |
26 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,155 | +1.090% | 10 | |
27 | Waterstone Mortgage Corporation | Strong | Mediocre | Exceptional | Strong | Strong | $3,078 | +0.982% | 30 | |
28 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,943 | +0.677% | 14 | |
29 | University Bank | Strong | Acceptable | Strong | Strong | Sound | $2,192 | +0.551% | 10 | |
30 | SUCCESS MORTGAGE PARTNERS, INC. | Sound | Mediocre | Strong | Sound | Sound | $2,227 | +0.599% | 10 |
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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