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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | $1,074 | -0.051% | 6,220 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $599 | +0.012% | 640 | |
3 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | $243 | +0.391% | 3,007 | |
4 | The Dart Bank | Exceptional | Strong | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | $668 | +0.326% | 1,528 | |
6 | Mercantile Bank | Exceptional | Strong | Strong | Exceptional | $919 | +0.239% | 1,395 | |
7 | Independent Bank | Exceptional | Strong | Strong | Exceptional | $1,136 | +0.254% | 1,300 | |
8 | CONSUMERS CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,329 | +0.288% | 1,200 | |
9 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,114 | +0.184% | 1,106 | |
10 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | Strong | Exceptional | $642 | -0.310% | 1,084 | |
11 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Exceptional | $1,210 | +0.126% | 923 | |
12 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Exceptional | $1,207 | +0.262% | 841 | |
13 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,362 | +0.321% | 777 | |
14 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $573 | -0.489% | 503 | |
15 | Honor Credit Union | Exceptional | Strong | Strong | Exceptional | $936 | +0.240% | 485 | |
16 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,231 | +0.414% | 14,800 | |
17 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
18 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,268 | +0.012% | 684 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$210 | +0.193% | 526 | |
20 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $417 | +0.100% | 427 | |
21 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Strong | $1,415 | +0.183% | 401 | |
22 | Frankenmuth Credit Union | Strong | Strong | Strong | Strong | $1,152 | +0.250% | 374 | |
23 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $128 | +0.124% | 373 | |
24 | OAK MORTGAGE, LLC | Strong | Strong | Strong | Strong | $1,125 | +0.239% | 308 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,775 | +0.318% | 2,049 | |
26 | First State Bank | Strong | Sound | Strong | Exceptional | $1,290 | +0.214% | 877 | |
27 | Genisys Credit Union | Strong | Sound | Strong | Exceptional | $938 | +0.149% | 810 | |
28 | Superior National Bank | Strong | Sound | Strong | Exceptional | $1,053 | +0.378% | 520 | |
29 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | $2,148 | +0.439% | 457 | |
30 | University Bank | Strong | Sound | Exceptional | Strong | $1,826 | +0.455% | 317 | |
31 | CREDIT UNION ONE | Strong | Strong | Sound | Strong | $414 | +0.350% | 281 | |
32 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,402 | +0.155% | 274 | |
33 | Dort Financial Credit Union | Strong | Sound | Exceptional | Strong | $600 | +0.216% | 273 | |
34 | Isabella Bank | Strong | Strong | Sound | Strong | $895 | -0.177% | 255 | |
35 | DOW CREDIT UNION | Strong | Strong | Sound | Strong | $121 | +0.803% | 233 | |
36 | COMMUNITY FINANCIAL CREDIT UNION | Strong | Strong | Sound | Strong | $1,147 | +0.155% | 231 | |
37 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,007 | +0.426% | 14,284 | |
38 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $2,750 | +0.558% | 3,179 | |
39 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $3,000 | +0.809% | 2,797 | |
40 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,071 | +0.334% | 923 | |
41 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,883 | +0.420% | 670 | |
42 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Exceptional | $2,772 | +0.672% | 649 | |
43 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $2,074 | +0.382% | 615 | |
44 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,191 | +0.489% | 568 | |
45 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Strong | $2,071 | +0.110% | 449 | |
46 | Northpointe Bank | Strong | Sound | Strong | Strong | $2,485 | +0.280% | 332 | |
47 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Strong | $1,504 | +0.299% | 316 | |
48 | Horizon Bank | Strong | Sound | Strong | Strong | $1,645 | +0.369% | 275 | |
49 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $1,816 | +0.487% | 2,869 | |
50 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Exceptional | $1,753 | +0.748% | 1,673 |
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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