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 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | $243 | +0.391% | 3,007 | |
2 | Independent Bank | Exceptional | Exceptional | Strong | Sound | Exceptional | $1,136 | +0.254% | 1,300 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,231 | +0.414% | 14,800 | |
4 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,074 | -0.051% | 6,220 | |
5 | The Dart Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $668 | +0.326% | 1,528 | |
7 | Old National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $599 | +0.012% | 640 | |
8 | FREEDOM MORTGAGE CORPORATION | Exceptional | Strong | Exceptional | Strong | Strong | $2,191 | +0.489% | 568 | |
9 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,148 | +0.439% | 457 | |
10 | University Bank | Exceptional | Strong | Strong | Exceptional | Strong | $1,826 | +0.455% | 317 | |
11 | Flagstar Bank, N.A. | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,816 | +0.487% | 2,869 | |
12 | Mercantile Bank | Exceptional | Strong | Strong | Sound | Exceptional | $919 | +0.239% | 1,395 | |
13 | First Merchants Bank | Exceptional | Strong | Strong | Sound | Exceptional | $1,114 | +0.184% | 1,106 | |
14 | MICHIGAN MUTUAL, INC. | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,282 | +0.638% | 918 | |
15 | PENNYMAC LOAN SERVICES, LLC | Exceptional | Strong | Exceptional | Sound | Strong | $2,071 | +0.110% | 449 | |
16 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $128 | +0.124% | 373 | |
17 | TOWNE MORTGAGE COMPANY | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,928 | +0.456% | 311 | |
18 | Dort Financial Credit Union | Exceptional | Strong | Strong | Strong | Strong | $600 | +0.216% | 273 | |
19 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,007 | +0.426% | 14,284 | |
20 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,000 | +0.809% | 2,797 | |
21 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Sound | Sound | Exceptional | $642 | -0.310% | 1,084 | |
22 | First State Bank | Strong | Sound | Strong | Strong | Exceptional | $1,290 | +0.214% | 877 | |
23 | MICHIGAN FIRST CREDIT UNION | Strong | Sound | Strong | Strong | Exceptional | $1,362 | +0.321% | 777 | |
24 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Strong | $2,883 | +0.420% | 670 | |
25 | THE LOAN STORE, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,527 | +0.442% | 573 | |
26 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | -$210 | +0.193% | 526 | |
27 | Honor Credit Union | Strong | Strong | Sound | Sound | Exceptional | $936 | +0.240% | 485 | |
28 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $417 | +0.100% | 427 | |
29 | UNITED FEDERAL CREDIT UNION | Strong | Strong | Strong | Sound | Strong | $1,415 | +0.183% | 401 | |
30 | Northpointe Bank | Strong | Sound | Exceptional | Strong | Strong | $2,485 | +0.280% | 332 | |
31 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $1,942 | +0.483% | 261 | |
32 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,775 | +0.318% | 2,049 | |
33 | STAUNTON FINANCIAL, INC. | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
34 | NEWREZ LLC | Strong | Sound | Exceptional | Sound | Strong | $2,204 | +0.577% | 1,040 | |
35 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,352 | +0.553% | 991 | |
36 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,792 | +0.547% | 917 | |
37 | Superior National Bank | Strong | Sound | Sound | Strong | Exceptional | $1,053 | +0.378% | 520 | |
38 | NORTHERN MORTGAGE SERVICES, LLC | Strong | Sound | Strong | Strong | Strong | $3,853 | +0.390% | 431 | |
39 | PRIMELENDING, A PLAINSCAPITAL COMPANY | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,731 | +0.615% | 263 | |
40 | FAIRWAY INDEPENDENT MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,704 | +0.557% | 246 | |
41 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
42 | J. VIRGIL, INC. | Strong | Acceptable | Strong | Strong | Exceptional | $2,772 | +0.672% | 649 | |
43 | RUOFF MORTGAGE COMPANY, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,074 | +0.382% | 615 | |
44 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | Exceptional | $2,234 | +0.445% | 597 | |
45 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,168 | +0.544% | 526 | |
46 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,289 | +0.652% | 507 | |
47 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,590 | +0.912% | 434 | |
48 | VAN DYK MORTGAGE CORPORATION | Strong | Acceptable | Exceptional | Strong | Strong | $2,405 | +0.521% | 395 | |
49 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,084 | +0.510% | 374 | |
50 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,272 | +0.515% | 373 |
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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