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 | Exceptional | $1,002 | -0.101% | 221 | |
2 | The Huntington National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $687 | +0.365% | 95 | |
3 | Independent Bank | Exceptional | Strong | Strong | Strong | Exceptional | $1,341 | +0.336% | 85 | |
4 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Sound | $2,071 | -1.158% | 14 | |
5 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,105 | +0.137% | 61 | |
6 | Mercantile Bank | Exceptional | Strong | Strong | Strong | Strong | $1,248 | +0.246% | 53 | |
7 | The Dart Bank | Exceptional | Strong | Exceptional | Strong | Sound | $1,323 | +0.155% | 29 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,598 | +0.453% | 297 | |
9 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $4,393 | +0.307% | 190 | |
10 | CREDIT UNION ONE | Strong | Strong | Strong | Sound | Strong | $558 | +0.170% | 45 | |
11 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,007 | +0.082% | 41 | |
12 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | Sound | $1,815 | +0.131% | 25 | |
13 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,955 | +0.045% | 22 | |
14 | Nicolet National Bank | Strong | Sound | Strong | Exceptional | Sound | $1,192 | +0.541% | 15 | |
15 | LOANDEPOT.COM, LLC | Strong | Sound | Exceptional | Strong | Acceptable | $2,752 | +0.300% | 12 | |
16 | NEWREZ LLC | Strong | Acceptable | Exceptional | Sound | Strong | $2,347 | +0.550% | 37 | |
17 | GUARANTEED RATE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $2,440 | +0.368% | 26 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Sound | $1,996 | +0.819% | 14 | |
19 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Strong | Sound | $3,714 | +0.676% | 13 | |
20 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | Sound | $4,164 | +0.478% | 12 | |
21 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Strong | Sound | $2,203 | +0.967% | 25 | |
22 | GUILD MORTGAGE COMPANY LLC | Strong | Acceptable | Exceptional | Strong | Acceptable | $2,564 | +0.471% | 12 | |
23 | 4FRONT CREDIT UNION | Sound | Acceptable | Sound | Sound | Strong | $1,502 | +0.391% | 30 | |
24 | CALCON MUTUAL MORTGAGE LLC | Sound | Mediocre | Strong | 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.
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