Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $1,289Fees | 0.043%Above | 439 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $525Fees | 0.520%Above | 82 | |
3 | CONSUMERS CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Strong | $1,398Fees | 0.105%Above | 50 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $495Fees | 0.532%Above | 89 | |
5 | The Dart BankBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,134Fees | 0.417%Above | 11 | |
6 | ChoiceOne BankBank | Strong | Strong | Strong | Sound | Strong | $604Fees | 0.155%Above | 49 | |
7 | MMS MORTGAGE SERVICES, LTD.Independent Mortgage Company | Strong | Strong | Sound | Strong | Strong | $2,221Fees | 0.002%Above | 34 | |
8 | Independent BankBank | Strong | Strong | Strong | Strong | Sound | $799Fees | 0.174%Above | 23 | |
9 | Mercantile BankBank | Strong | Strong | Strong | Strong | Sound | $1,590Fees | 0.077%Above | 18 | |
10 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,106Fees | 0.701%Above | 265 | |
11 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,506Fees | 0.407%Above | 193 | |
12 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,624Fees | 0.472%Above | 173 | |
13 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $1,948Fees | 0.308%Above | 30 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $1,664Fees | 0.520%Above | 25 | |
15 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $2,680Fees | 0.343%Above | 15 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $667Fees | 0.045%Above | 13 | |
17 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,961Fees | 0.774%Above | 60 | |
18 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,486Fees | 0.415%Above | 57 | |
19 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,318Fees | 0.744%Above | 49 | |
20 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Sound | Exceptional | $3,234Fees | 0.588%Above | 160 | |
21 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,043Fees | 0.412%Above | 27 | |
22 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,895Fees | 1.121%Above | 19 | |
23 | GUILD MORTGAGE COMPANY LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,094Fees | 0.406%Above | 13 | |
24 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Sound | Strong | Sound | Sound | $4,519Fees | 1.151%Above | 13 | |
25 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $3,283Fees | 0.774%Above | 11 | |
26 | NORTHERN MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Sound | $2,946Fees | 0.465%Above | 14 | |
27 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $3,782Fees | 1.086%Above | 18 | |
28 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,443Fees | 0.707%Above | 15 | |
29 | NEWREZ LLCIndependent Mortgage Company | Sound | Acceptable | Exceptional | Sound | Acceptable | $1,876Fees | 0.523%Above | 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.