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 | Sound | $929 | -0.039% | 16 | |
2 | Directions Credit Union, Inc. | Exceptional | Exceptional | Strong | Strong | Strong | $446 | -0.020% | 52 | |
3 | Old National Bank | Exceptional | Exceptional | Exceptional | Strong | Sound | $786 | +0.100% | 13 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $825 | +0.492% | 81 | |
5 | First Merchants Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,401 | +0.336% | 37 | |
6 | KeyBank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,460 | +0.333% | 34 | |
7 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $1,394 | -0.602% | 12 | |
8 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,060 | +0.520% | 39 | |
9 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $799 | +0.305% | 11 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,848 | +0.493% | 241 | |
11 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,401 | +0.417% | 156 | |
12 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $2,701 | +0.458% | 26 | |
13 | MONROE COMMUNITY CREDIT UNION | Strong | Exceptional | Acceptable | Sound | Strong | -$400 | +0.205% | 22 | |
14 | Civista Bank | Strong | Strong | Strong | Strong | Sound | $1,075 | -0.547% | 15 | |
15 | MORTGAGE CENTER L.C | Strong | Strong | Strong | Strong | Sound | $1,188 | +0.316% | 13 | |
16 | TLC COMMUNITY Credit Union | Strong | Exceptional | Sound | Sound | Sound | $913 | +0.068% | 10 | |
17 | AMERICAN FINANCIAL NETWORK, INC. | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,737 | +0.761% | 208 | |
18 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Exceptional | $2,491 | +0.757% | 110 | |
19 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $2,178 | +0.375% | 16 | |
20 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $3,190 | -0.039% | 11 | |
21 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Strong | Strong | $3,278 | +0.630% | 65 | |
22 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $2,770 | +0.851% | 61 | |
23 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Strong | $2,203 | +0.469% | 34 | |
24 | Premier Bank | Strong | Sound | Strong | Strong | Sound | $836 | +0.120% | 20 | |
25 | EQUITY RESOURCES, INC. | Strong | Sound | Strong | Strong | Sound | $1,708 | +0.570% | 18 | |
26 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Acceptable | $2,047 | +0.335% | 10 | |
27 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Exceptional | Strong | Sound | $1,940 | +0.751% | 28 | |
28 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Strong | $1,546 | +0.833% | 27 | |
29 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $2,444 | +0.546% | 24 | |
30 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,789 | +0.676% | 22 | |
31 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,802 | +0.665% | 19 | |
32 | GVC MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $3,083 | +1.047% | 17 | |
33 | DFCU FINANCIAL | Strong | Acceptable | Strong | Sound | Strong | $2,933 | +0.260% | 42 | |
34 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Sound | $1,786 | +0.465% | 19 | |
35 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | Sound | $2,144 | +0.629% | 17 | |
36 | NFM, INC. | Sound | Mediocre | Exceptional | Strong | Sound | $2,622 | +1.186% | 11 | |
37 | ROSS MORTGAGE CORPORATION | Sound | Acceptable | Strong | Sound | Sound | $2,216 | +0.629% | 10 | |
38 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,925 | +0.716% | 10 |
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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