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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,268 | +0.012% | 684 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $128 | +0.124% | 373 | |
3 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,402 | +0.155% | 274 | |
4 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,074 | -0.051% | 6,220 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $668 | +0.326% | 1,528 | |
6 | Genisys Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $938 | +0.149% | 810 | |
7 | CONSUMERS CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,329 | +0.288% | 1,200 | |
8 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,071 | +0.334% | 923 | |
9 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,207 | +0.262% | 841 | |
10 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $599 | +0.012% | 640 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $417 | +0.100% | 427 | |
12 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,231 | +0.414% | 14,800 | |
13 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,007 | +0.426% | 14,284 | |
14 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,775 | +0.318% | 2,049 | |
15 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,965 | +0.335% | 1,989 | |
16 | Mercantile Bank | Exceptional | Strong | Strong | Sound | Exceptional | $919 | +0.239% | 1,395 | |
17 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | — | Strong | Exceptional | $642 | -0.310% | 1,084 | |
18 | MORTGAGE CENTER L.C | Exceptional | Strong | — | Strong | Exceptional | $1,210 | +0.126% | 923 | |
19 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Sound | Strong | Exceptional | $1,362 | +0.321% | 777 | |
20 | Honor Credit Union | Exceptional | Strong | — | Strong | Exceptional | $936 | +0.240% | 485 | |
21 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,415 | +0.183% | 401 | |
22 | The Dart Bank | Strong | Sound | Strong | Strong | Exceptional | $1,638 | +0.214% | 1,842 | |
23 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$210 | +0.193% | 526 | |
24 | OAK MORTGAGE, LLC | Strong | Strong | — | Strong | Strong | $1,125 | +0.239% | 308 | |
25 | Isabella Bank | Strong | Strong | Strong | Sound | Strong | $895 | -0.177% | 255 | |
26 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $243 | +0.391% | 3,007 | |
27 | First Merchants Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,114 | +0.184% | 1,106 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Sound | Strong | Sound | Exceptional | $2,352 | +0.553% | 991 | |
29 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,249 | +0.765% | 721 | |
30 | Superior National Bank | Strong | Sound | — | Strong | Exceptional | $1,053 | +0.378% | 520 | |
31 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,645 | +0.369% | 275 | |
32 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,411 | +0.709% | 1,686 | |
33 | THE LOAN STORE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $1,527 | +0.442% | 573 | |
34 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Strong | Sound | Exceptional | $3,000 | +0.809% | 2,797 | |
35 | ChoiceOne Bank | Strong | Sound | — | Sound | Strong | $1,003 | +0.171% | 352 | |
36 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,816 | +0.487% | 2,869 | |
37 | Independent Bank | Strong | Mediocre | Strong | Strong | Exceptional | $1,136 | +0.254% | 1,300 |
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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