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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,074 | -0.051% | 6,220 | |
2 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Strong | $599 | +0.012% | 640 | |
3 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $243 | +0.391% | 3,007 | |
4 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
5 | CONSUMERS CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,329 | +0.288% | 1,200 | |
6 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,114 | +0.184% | 1,106 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $573 | -0.489% | 503 | |
8 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $668 | +0.326% | 1,528 | |
10 | Mercantile Bank | Exceptional | Strong | Strong | Strong | Exceptional | $919 | +0.239% | 1,395 | |
11 | Independent Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,136 | +0.254% | 1,300 | |
12 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | Strong | Strong | Exceptional | $642 | -0.310% | 1,084 | |
13 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Strong | Exceptional | $1,210 | +0.126% | 923 | |
14 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,207 | +0.262% | 841 | |
15 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,362 | +0.321% | 777 | |
16 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,268 | +0.012% | 684 | |
17 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$210 | +0.193% | 526 | |
18 | Honor Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $936 | +0.240% | 485 | |
19 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Strong | $1,152 | +0.250% | 374 | |
20 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $128 | +0.124% | 373 | |
21 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775 | +0.318% | 2,049 | |
22 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $417 | +0.100% | 427 | |
23 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,415 | +0.183% | 401 | |
24 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,125 | +0.239% | 308 | |
25 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $2,402 | +0.155% | 274 | |
26 | DOW CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $121 | +0.803% | 233 | |
27 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,231 | +0.414% | 14,800 | |
28 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,007 | +0.426% | 14,284 | |
29 | First State Bank | Strong | Sound | Strong | Strong | Exceptional | $1,290 | +0.214% | 877 | |
30 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,883 | +0.420% | 670 | |
31 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,074 | +0.382% | 615 | |
32 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Strong | $2,148 | +0.439% | 457 | |
33 | PLAZA HOME MORTGAGE, INC. | Strong | Sound | Exceptional | Strong | Strong | $2,084 | +0.510% | 374 | |
34 | ChoiceOne Bank | Strong | Strong | Strong | Sound | Strong | $1,003 | +0.171% | 352 | |
35 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $2,485 | +0.280% | 332 | |
36 | MUTUAL OF OMAHA MORTGAGE, INC. | Strong | Strong | Strong | Sound | Strong | $1,941 | +0.309% | 282 | |
37 | CREDIT UNION ONE | Strong | Strong | Strong | Sound | Strong | $414 | +0.350% | 281 | |
38 | Dort Financial Credit Union | Strong | Sound | Strong | Exceptional | Strong | $600 | +0.216% | 273 | |
39 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,750 | +0.558% | 3,179 | |
40 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,816 | +0.487% | 2,869 | |
41 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,000 | +0.809% | 2,797 | |
42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.553% | 991 | |
43 | Genisys Credit Union | Strong | Sound | Strong | Sound | Exceptional | $938 | +0.149% | 810 | |
44 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Exceptional | Sound | Strong | $2,071 | +0.110% | 449 | |
45 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Strong | Strong | $1,504 | +0.299% | 316 | |
46 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,645 | +0.369% | 275 | |
47 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,411 | +0.709% | 1,686 | |
48 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
49 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,282 | +0.638% | 918 | |
50 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,792 | +0.547% | 917 |
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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