Safe Rate Rankings
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| 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 | $1,074Fees | 0.051%Below | 6,220 | |
2 | MICHIGAN SCHOOLS AND GOVERNMENT Credit UnionDirect | Strong | Strong | Strong | Exceptional | $642Fees | 0.310%Below | 1,084 | |
3 | UNITED WHOLESALE MORTGAGE, LLC Independent Mortgage CompanyWholesale | Strong | Sound* | Exceptional | Exceptional | $2,231Fees | 0.414%Above | 14,800 | |
4 | The Dart Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,638Fees | 0.214%Above | 1,842 | |
5 | Mercantile Bank BankDirect | Strong | Strong | Strong | Exceptional | $919Fees | 0.239%Above | 1,395 | |
6 | Old National Bank BankDirect | Strong | Exceptional | Strong | Strong | $599Fees | 0.012%Above | 640 | |
7 | Honor Credit Union Credit UnionDirect | Strong | Strong | Strong | Exceptional | $936Fees | 0.240%Above | 485 | |
8 | Frankenmuth Credit Union Credit UnionDirect | Strong | Strong | Strong | Strong | $1,152Fees | 0.250%Above | 374 | |
9 | The Huntington National Bank BankDirect | Strong | Strong | Strong | Exceptional | $243Fees | 0.391%Above | 3,007 | |
10 | Independent Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,136Fees | 0.254%Above | 1,300 | |
11 | CONSUMERS CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Exceptional | $1,329Fees | 0.288%Above | 1,200 | |
12 | ROCKET MORTGAGE, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,007Fees | 0.426%Above | 14,284 | |
13 | First Merchants Bank BankDirect | Strong | Strong | Strong | Exceptional | $1,114Fees | 0.184%Above | 1,106 | |
14 | Bank of America, National Association BankDirect | Strong | Strong | Strong | Strong | $1,268Fees | 0.012%Above | 684 | |
15 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $573Fees | 0.489%Below | 503 | |
16 | STAUNTON FINANCIAL, INC. Independent Mortgage CompanyDirect | Strong | Sound | Exceptional | Exceptional | $1,965Fees | 0.335%Above | 1,989 | |
17 | MORTGAGE CENTER L.C Independent Mortgage CompanyDirect | Strong | Strong | Strong | Exceptional | $1,210Fees | 0.126%Above | 923 | |
18 | MICHIGAN STATE UNIVERSITY Federal Credit Union Credit UnionDirect | Strong | Strong | Strong | Exceptional | $1,207Fees | 0.262%Above | 841 | |
19 | MICHIGAN FIRST CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Exceptional | $1,362Fees | 0.321%Above | 777 | |
20 | UNITED FEDERAL CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | $1,415Fees | 0.183%Above | 401 | |
21 | First State Bank BankDirect | Strong | Sound | Strong | Exceptional | $1,290Fees | 0.214%Above | 877 | |
22 | U.S. Bank National Association BankDirect | Strong | Strong | Strong | Strong | $128Fees | 0.124%Above | 373 | |
23 | ARBOR FINANCIAL CREDIT UNION Credit UnionDirect | Strong | Sound | Strong | Strong | $1,504Fees | 0.299%Above | 316 | |
24 | Fifth Third Bank, National Association BankDirect | Strong | Strong | Strong | Exceptional | $668Fees | 0.326%Above | 1,528 | |
25 | Superior National Bank BankDirect | Strong | Sound | Strong | Exceptional | $1,053Fees | 0.378%Above | 520 | |
26 | Dort Financial Credit Union Credit UnionDirect | Strong | Sound | Exceptional | Strong | $600Fees | 0.216%Above | 273 | |
27 | MORTGAGE 1 INCORPORATED Independent Mortgage CompanyDirect | Strong | Acceptable | Exceptional | Exceptional | $2,750Fees | 0.558%Above | 3,179 | |
28 | Flagstar Bank, N.A. BankDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $1,816Fees | 0.487%Above | 2,869 | |
29 | Genisys Credit Union Credit UnionDirect | Strong | Sound | Strong | Exceptional | $938Fees | 0.149%Above | 810 | |
30 | PNC Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $210Credit | 0.193%Above | 526 | |
31 | University Bank BankDirect | Strong | Sound | Exceptional | Strong | $1,826Fees | 0.455%Above | 317 | |
32 | JPMorgan Chase Bank, National Association BankDirect & Wholesale | Strong | Sound* | Strong | Exceptional | $1,775Fees | 0.318%Above | 2,049 | |
33 | Citizens Bank, National Association BankDirect | Strong | Strong | Strong | Strong | $417Fees | 0.100%Above | 427 | |
34 | OAK MORTGAGE, LLC Independent Mortgage CompanyDirect | Strong | Strong | Strong | Strong | $1,125Fees | 0.239%Above | 308 | |
35 | FIRST COMMUNITY MORTGAGE, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Strong | $2,792Fees | 0.547%Above | 917 | |
36 | ARK-LA-TEX FINANCIAL SERVICES, LLC. Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Exceptional | Strong | $2,148Fees | 0.439%Above | 457 | |
37 | LOANDEPOT.COM, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,883Fees | 0.420%Above | 670 | |
38 | ChoiceOne Bank BankDirect | Strong | Sound | Sound | Strong | $1,003Fees | 0.171%Above | 352 | |
39 | UNION HOME MORTGAGE CORP. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Exceptional | Exceptional | $3,000Fees | 0.809%Above | 2,797 | |
40 | RUOFF MORTGAGE COMPANY, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,074Fees | 0.382%Above | 615 | |
41 | FREEDOM MORTGAGE CORPORATION Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,191Fees | 0.489%Above | 568 | |
42 | CREDIT UNION ONE Credit UnionDirect | Strong | Strong | Sound | Strong | $414Fees | 0.350%Above | 281 | |
43 | COMMUNITY FINANCIAL CREDIT UNION Credit UnionDirect | Strong | Strong | Sound | Strong | $1,147Fees | 0.155%Above | 231 | |
44 | THE LOAN STORE, INC. Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $1,527Fees | 0.442%Above | 573 | |
45 | GUARANTEED RATE, INC. Independent Mortgage CompanyDirect | Strong | Sound | Strong | Strong | $2,071Fees | 0.334%Above | 923 | |
46 | MICHIGAN MUTUAL, INC. Independent Mortgage CompanyDirect & Wholesale | Strong | Acceptable* | Strong | Exceptional | $2,282Fees | 0.638%Above | 918 | |
47 | PENNYMAC LOAN SERVICES, LLC Independent Mortgage CompanyDirect & Wholesale | Strong | Sound* | Strong | Strong | $2,071Fees | 0.110%Above | 449 | |
48 | TOWNE MORTGAGE COMPANY Independent Mortgage CompanyWholesale | Strong | Acceptable* | Strong | Strong | $1,928Fees | 0.456%Above | 311 | |
49 | Wells Fargo Bank, National Association BankDirect | Strong | Strong | Sound | Strong | $2,402Fees | 0.155%Above | 274 | |
50 | Mortgage Research Center, LLC Independent Mortgage CompanyDirect | Strong | Acceptable | Strong | Exceptional | $1,753Fees | 0.748%Above | 1,673 |
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.