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 | Strong | $1,026 | +0.183% | 37 | |
2 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,385 | +0.231% | 238 | |
3 | Honor Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $925 | +0.159% | 199 | |
4 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $267 | +0.394% | 40 | |
5 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $560 | -0.220% | 13 | |
6 | OAK MORTGAGE, LLC | Exceptional | Strong | Strong | Strong | Strong | $1,046 | +0.247% | 65 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,266 | +0.343% | 57 | |
8 | CONSUMERS CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Sound | $1,214 | +0.460% | 20 | |
9 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $614 | +0.092% | 17 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $3,461 | +0.395% | 174 | |
11 | RUOFF MORTGAGE COMPANY, INC. | Strong | Sound | Exceptional | Strong | Strong | $1,963 | +0.381% | 70 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,728 | +0.264% | 54 | |
13 | Independent Bank | Strong | Strong | Strong | Strong | Sound | $1,451 | +0.183% | 26 | |
14 | EVERWISE CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $739 | +0.125% | 20 | |
15 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,892 | +0.193% | 72 | |
16 | Horizon Bank | Strong | Sound | Strong | Strong | Strong | $1,295 | +0.473% | 40 | |
17 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Sound | $3,138 | +0.551% | 30 | |
18 | NOTRE DAME FEDERAL CREDIT UNION CORPORATION | Strong | Sound | Strong | Exceptional | Sound | $1,226 | +0.159% | 17 | |
19 | ARK-LA-TEX FINANCIAL SERVICES, LLC. | Strong | Sound | Exceptional | Strong | Sound | $3,011 | +0.439% | 16 | |
20 | Barrington Bank & Trust Company, National Association | Strong | Sound | Exceptional | Strong | Sound | $1,775 | +0.452% | 12 | |
21 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Strong | $3,862 | +0.977% | 114 | |
22 | 1st Source Bank | Strong | Sound | Strong | Strong | Sound | $1,160 | +0.684% | 22 | |
23 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,301 | +0.417% | 37 | |
24 | PROPER RATE, LLC | Strong | Sound | Strong | Sound | Sound | $1,040 | +0.577% | 30 | |
25 | CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP | Strong | Acceptable | Exceptional | Strong | Sound | $2,869 | +0.788% | 18 | |
26 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,856 | +0.318% | 18 | |
27 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Sound | $1,567 | +0.470% | 17 | |
28 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Exceptional | Strong | Sound | $3,729 | +0.599% | 16 | |
29 | HALLMARK HOME MORTGAGE, LLC | Strong | Mediocre | Exceptional | Strong | Strong | $2,504 | +1.003% | 37 | |
30 | NEW AMERICAN FUNDING, LLC | Sound | Acceptable | Exceptional | Sound | Acceptable | $2,444 | +0.316% | 10 | |
31 | Circle Federal Credit Union | Sound | Sound | Acceptable | Acceptable | Sound | $868 | +0.541% | 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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