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 | Strong | Strong | Strong | Exceptional | $1,289Fees | 0.043%Above | 439 | |
2 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $525Fees | 0.520%Above | 82 | |
3 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $2,624Fees | 0.472%Above | 173 | |
4 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $495Fees | 0.532%Above | 89 | |
5 | TOWNE MORTGAGE COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Strong | $1,486Fees | 0.415%Above | 57 | |
6 | ARK-LA-TEX FINANCIAL SERVICES, LLC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Sound | $1,948Fees | 0.308%Above | 30 | |
7 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $3,506Fees | 0.407%Above | 193 | |
8 | VAN DYK MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Exceptional | $3,234Fees | 0.588%Above | 160 | |
9 | T2 FINANCIAL LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,961Fees | 0.774%Above | 60 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $2,043Fees | 0.412%Above | 27 | |
11 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Sound | $667Fees | 0.045%Above | 13 | |
12 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Acceptable | $3,363Fees | 0.214%Below | 10 | |
13 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $3,106Fees | 0.701%Above | 265 | |
14 | RUOFF MORTGAGE COMPANY, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $2,680Fees | 0.343%Above | 15 | |
15 | LEADERONE FINANCIAL CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,318Fees | 0.744%Above | 49 | |
16 | AMERICAN PACIFIC MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $3,782Fees | 1.086%Above | 18 | |
17 | CARRINGTON MORTGAGE SERVICES, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $4,324Fees | 0.792%Above | 11 | |
18 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $5,120Fees | 0.518%Above | 15 | |
19 | CHURCHILL MORTGAGE CORPORATIONIndependent Mortgage Company | Sound | Mediocre | Exceptional | Strong | Sound | $2,443Fees | 0.707%Above | 15 |
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.