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 | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION Credit UnionDirect | Exceptional | Exceptional | Exceptional | Exceptional | $890Fees | 0.180%Below | 217 | |
2 | Old National Bank BankDirect | Exceptional | Exceptional | Strong | Exceptional | $727Fees | 0.025%Above | 108 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $1,896Fees | 0.265%Above | 323 | |
4 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,201Fees | 0.269%Above | 347 | |
5 | First Merchants Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,408Fees | 0.186%Above | 120 | |
6 | STAUNTON FINANCIAL, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $2,306Fees | 0.166%Above | 151 | |
7 | University Bank BankDirect | Strong | Sound | Exceptional | Exceptional | $1,799Fees | 0.286%Above | 129 | |
8 | The Dart Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,526Fees | 0.132%Above | 82 | |
9 | The Huntington National Bank BankDirect | Strong | Strong | Strong | Exceptional | $531Fees | 0.141%Above | 105 | |
10 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,044Fees | 0.004%Above | 54 | |
11 | UNIVERSITY OF MICHIGAN CREDIT UNION Credit UnionDirect | Strong | Exceptional | Acceptable | Exceptional | $434Fees | 0.077%Above | 72 | |
12 | MICHIGAN SCHOOLS AND GOVERNMENT Credit UnionDirect | Strong | Strong | Strong | Sound | $618Fees | 0.326%Below | 23 | |
13 | Independent Bank BankDirect | Strong | Strong | Strong | Strong | $1,021Fees | 0.278%Above | 32 | |
14 | Premier Bank BankDirect | Strong | Sound | Strong | Strong | $1,115Fees | 0.059%Above | 47 | |
15 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Strong | $1,323Fees | 0.096%Above | 91 | |
16 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $225Credit | 0.069%Below | 40 | |
17 | MORTGAGE CENTER L.C Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $1,004Fees | 0.086%Above | 27 | |
18 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $2,165Fees | 0.292%Above | 184 | |
19 | MORTGAGE 1 INCORPORATED Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $1,909Fees | 0.408%Above | 106 | |
20 | M/I FINANCIAL, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Strong | $3,811Fees | 0.168%Below | 57 | |
21 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Strong | $1,411Fees | 0.395%Above | 49 | |
22 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $1,281Fees | 0.096%Above | 44 | |
23 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Sound | Sound* | Strong | Sound | $4,385Fees | 0.255%Above | 23 | |
24 | RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect | Sound | Sound | Strong | Sound | $1,610Fees | 0.302%Above | 28 | |
25 | CROSSCOUNTRY MORTGAGE, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Strong | $2,515Fees | 0.678%Above | 76 | |
26 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Sound | Acceptable* | Exceptional | Strong | $2,301Fees | 0.751%Above | 40 | |
27 | RESICENTRAL, LLC Independent Mortgage CompanyWholesale | Sound | Sound* | Sound | Sound | $1,163Fees | 1.474%Above | 24 | |
28 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Sound | Acceptable | Strong | Sound | — | — | 29 | |
29 | GreenStone Farm Credit Services, FLCA Independent Mortgage CompanyDirect | Sound | Acceptable | Sound | Strong | — | — | 29 | |
30 | DFCU FINANCIAL Credit UnionDirect | Sound | Acceptable | Sound | Strong | $2,267Fees | 0.238%Above | 38 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.