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 | $970 | -0.086% | 1,018 | |
2 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | Strong | Exceptional | $618 | -0.321% | 852 | |
3 | First Merchants Bank | Exceptional | Strong | Strong | Exceptional | $1,051 | +0.165% | 582 | |
4 | MORTGAGE CENTER L.C | Exceptional | Strong | Strong | Exceptional | $1,213 | -0.041% | 353 | |
5 | PROVIDENT FUNDING ASSOCIATES, L.P. | Exceptional | Exceptional | Sound | Strong | $176 | +0.062% | 128 | |
6 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $755 | -0.472% | 120 | |
7 | VIBE CREDIT UNION | Exceptional | Exceptional | Sound | Strong | $647 | -0.134% | 98 | |
8 | The State Bank | Exceptional | Exceptional | Sound | Strong | $696 | +0.004% | 74 | |
9 | UNITED WHOLESALE MORTGAGE, LLC | Strong | Sound | Exceptional | Exceptional | $2,135 | +0.360% | 6,648 | |
10 | STAUNTON FINANCIAL, INC. | Strong | Sound | Exceptional | Exceptional | $1,799 | +0.218% | 788 | |
11 | The Huntington National Bank | Strong | Strong | Strong | Strong | $118 | +0.261% | 625 | |
12 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,247 | -0.053% | 326 | |
13 | The Dart Bank | Strong | Strong | Strong | Strong | $1,639 | +0.203% | 291 | |
14 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Strong | Strong | $1,363 | +0.334% | 277 | |
15 | Independent Bank | Strong | Strong | Strong | Strong | $993 | +0.269% | 228 | |
16 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $815 | +0.046% | 188 | |
17 | Fifth Third Bank, National Association | Strong | Strong | Strong | Strong | -$330 | +0.250% | 181 | |
18 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$331 | +0.068% | 178 | |
19 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$1,011 | +0.188% | 165 | |
20 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | $1,371 | +0.137% | 116 | |
21 | First State Bank | Strong | Sound | Strong | Exceptional | $1,241 | +0.180% | 601 | |
22 | Genisys Credit Union | Strong | Sound | Strong | Exceptional | $963 | +0.141% | 574 | |
23 | Superior National Bank | Strong | Sound | Strong | Exceptional | $1,038 | +0.285% | 342 | |
24 | CREDIT UNION ONE | Strong | Strong | Sound | Strong | $448 | +0.314% | 105 | |
25 | University Bank | Strong | Sound | Exceptional | Strong | $1,898 | +0.610% | 101 | |
26 | ROCKET MORTGAGE, LLC | Strong | Acceptable | Exceptional | Exceptional | $2,822 | +0.331% | 4,709 | |
27 | MORTGAGE 1 INCORPORATED | Strong | Acceptable | Exceptional | Exceptional | $2,463 | +0.509% | 1,181 | |
28 | UNION HOME MORTGAGE CORP. | Strong | Acceptable | Exceptional | Exceptional | $2,767 | +0.703% | 910 | |
29 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,633 | +0.269% | 805 | |
30 | GUARANTEED RATE, INC. | Strong | Sound | Strong | Strong | $2,202 | +0.297% | 313 | |
31 | LOANDEPOT.COM, LLC | Strong | Sound | Strong | Strong | $2,898 | +0.388% | 177 | |
32 | FREEDOM MORTGAGE CORPORATION | Strong | Sound | Strong | Strong | $2,085 | +0.351% | 171 | |
33 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Exceptional | $1,831 | +0.437% | 926 | |
34 | MICHIGAN MUTUAL, INC. | Strong | Acceptable | Strong | Exceptional | $2,209 | +0.625% | 543 | |
35 | FIRST COMMUNITY MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,595 | +0.492% | 233 | |
36 | CMG MORTGAGE, INC. | Strong | Acceptable | Exceptional | Strong | $2,345 | +0.531% | 127 | |
37 | J. VIRGIL, INC. | Strong | Acceptable | Exceptional | Strong | $2,998 | +0.496% | 115 | |
38 | RESICENTRAL, LLC | Strong | Sound | Sound | Strong | $237 | +1.218% | 108 | |
39 | PENNYMAC LOAN SERVICES, LLC | Strong | Sound | Strong | Sound | $1,567 | +0.182% | 102 | |
40 | ChoiceOne Bank | Strong | Sound | Sound | Strong | $1,161 | +0.213% | 95 | |
41 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Strong | Strong | $3,795 | +0.693% | 618 | |
42 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATION | Strong | Acceptable | Strong | Strong | $2,277 | +0.545% | 300 | |
43 | ROSS MORTGAGE CORPORATION | Strong | Acceptable | Strong | Strong | $2,433 | +0.358% | 286 | |
44 | Mortgage Research Center, LLC | Strong | Acceptable | Strong | Strong | $1,556 | +0.670% | 281 | |
45 | THE LOAN STORE, INC. | Strong | Acceptable | Strong | Strong | $1,490 | +0.446% | 265 | |
46 | NATIONSTAR MORTGAGE LLC | Strong | Acceptable | Strong | Strong | $3,457 | +0.407% | 206 | |
47 | PLAZA HOME MORTGAGE, INC. | Strong | Acceptable | Strong | Strong | $2,124 | +0.472% | 197 | |
48 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,666 | +0.475% | 129 | |
49 | THE MORTGAGE LINK, INC. | Strong | Acceptable | Strong | Strong | $1,842 | +0.572% | 115 | |
50 | M/I FINANCIAL, LLC | Strong | Acceptable | Strong | Strong | $3,316 | -0.174% | 93 |
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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