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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Strong | $1,026 | +0.183% | 37 | |
2 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Exceptional | $1,385 | +0.231% | 238 | |
3 | Honor Credit Union | Exceptional | Strong | Strong | Exceptional | $925 | +0.159% | 199 | |
4 | EVERWISE CREDIT UNION | Exceptional | Exceptional | Strong | Sound | $739 | +0.125% | 20 | |
5 | OAK MORTGAGE, LLC | Strong | Strong | Strong | Strong | $1,046 | +0.247% | 65 | |
6 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,266 | +0.343% | 57 | |
7 | The Huntington National Bank | Strong | Strong | Strong | Strong | $267 | +0.394% | 40 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Strong | $2,892 | +0.193% | 72 | |
9 | Independent Bank | Strong | Strong | Strong | Sound | $1,451 | +0.183% | 26 | |
10 | CONSUMERS CREDIT UNION | Strong | Strong | Strong | Sound | $1,214 | +0.460% | 20 | |
11 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $3,461 | +0.395% | 174 | |
12 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Strong | Strong | $1,963 | +0.381% | 70 | |
13 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,728 | +0.264% | 54 | |
14 | Horizon Bank | Strong | Sound | Strong | Strong | $1,295 | +0.473% | 40 | |
15 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | $3,862 | +0.977% | 114 | |
16 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,301 | +0.417% | 37 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Sound | $3,138 | +0.551% | 30 | |
18 | 1st Source Bank | Strong | Sound | Strong | Sound | $1,160 | +0.684% | 22 | |
19 | PROPER RATE, LLC | Strong | Sound | Sound | Sound | $1,040 | +0.577% | 30 | |
20 | HALLMARK HOME MORTGAGE, LLC | Sound | Mediocre | Exceptional | Strong | $2,504 | +1.003% | 37 | |
21 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,335 | +1.034% | 28 |
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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