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 | Exceptional | $1,002 | -0.101% | 221 | |
2 | Independent Bank | Exceptional | Strong | Strong | Exceptional | $1,341 | +0.336% | 85 | |
3 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,598 | +0.453% | 297 | |
4 | The Huntington National Bank | Strong | Strong | Strong | Strong | $687 | +0.365% | 95 | |
5 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | $1,105 | +0.137% | 61 | |
6 | Mercantile Bank | Strong | Strong | Strong | Strong | $1,248 | +0.246% | 53 | |
7 | CREDIT UNION ONE | Strong | Strong | Sound | Strong | $558 | +0.170% | 45 | |
8 | The Dart Bank | Strong | Strong | Strong | Sound | $1,323 | +0.155% | 29 | |
9 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Sound | $1,955 | +0.045% | 22 | |
10 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $4,393 | +0.307% | 190 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,007 | +0.082% | 41 | |
12 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Sound | $1,815 | +0.131% | 25 | |
13 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Sound | $2,440 | +0.368% | 26 | |
14 | NEWREZ LLC | Sound | Acceptable | Sound | Strong | $2,347 | +0.550% | 37 | |
15 | 4FRONT CREDIT UNION | Sound | Acceptable | Sound | Strong | $1,502 | +0.391% | 30 | |
16 | Mortgage Research Center, LLC | Sound | Acceptable | Strong | Sound | $2,304 | +0.391% | 23 | |
17 | GreenStone Farm Credit Services, FLCA | Sound | Acceptable | Sound | Sound | $2,203 | +0.967% | 25 | |
18 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Sound | Strong | $4,149 | +0.542% | 55 |
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.
Get personalized recommendations based on your specific needs