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