Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,135Fees | 0.360%Above | 6,648 | |
2 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $970Fees | 0.086%Below | 1,018 | |
3 | The Huntington National BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $118Fees | 0.261%Above | 625 | |
4 | FREEDOM MORTGAGE CORPORATIONIndependent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,085Fees | 0.351%Above | 171 | |
5 | University BankBank | Exceptional | Strong | Strong | Exceptional | Strong | $1,898Fees | 0.610%Above | 101 | |
6 | Flagstar Bank, N.A.Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,831Fees | 0.437%Above | 926 | |
7 | First Merchants BankBank | Exceptional | Strong | Strong | Sound | Exceptional | $1,051Fees | 0.165%Above | 582 | |
8 | MICHIGAN MUTUAL, INC.Independent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,209Fees | 0.625%Above | 543 | |
9 | The Dart BankBank | Exceptional | Strong | Strong | Strong | Strong | $1,639Fees | 0.203%Above | 291 | |
10 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,822Fees | 0.331%Above | 4,709 | |
11 | UNION HOME MORTGAGE CORP.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Exceptional | $2,767Fees | 0.703%Above | 910 | |
12 | MICHIGAN SCHOOLS AND GOVERNMENTCredit Union | Strong | Strong | Sound | Sound | Exceptional | $618Fees | 0.321%Below | 852 | |
13 | First State BankBank | Strong | Sound | Strong | Strong | Exceptional | $1,241Fees | 0.180%Above | 601 | |
14 | THE LOAN STORE, INC.Independent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $1,490Fees | 0.446%Above | 265 | |
15 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $815Fees | 0.046%Above | 188 | |
16 | LOANDEPOT.COM, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $2,898Fees | 0.388%Above | 177 | |
17 | PNC Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,011Credit | 0.188%Above | 165 | |
18 | Plains Commerce BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,666Fees | 0.475%Above | 129 | |
19 | PENNYMAC LOAN SERVICES, LLCIndependent Mortgage Company | Strong | Strong | Exceptional | Sound | Sound | $1,567Fees | 0.182%Above | 102 | |
20 | M/I FINANCIAL, LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Strong | Strong | $3,316Fees | 0.174%Below | 93 | |
21 | STAUNTON FINANCIAL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Exceptional | $1,799Fees | 0.218%Above | 788 | |
22 | NEWREZ LLCIndependent Mortgage Company | Strong | Sound | Exceptional | Sound | Strong | $2,234Fees | 0.525%Above | 414 | |
23 | Superior National BankBank | Strong | Sound | Sound | Strong | Exceptional | $1,038Fees | 0.285%Above | 342 | |
24 | MICHIGAN FIRST CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Strong | $1,363Fees | 0.334%Above | 277 | |
25 | FIRST COMMUNITY MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Exceptional | Strong | $2,595Fees | 0.492%Above | 233 | |
26 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $1,633Fees | 0.269%Above | 805 | |
27 | GUARANTEED RATE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,202Fees | 0.297%Above | 313 | |
28 | GOLD STAR MORTGAGE FINANCIAL GROUP, CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,277Fees | 0.545%Above | 300 | |
29 | PLAZA HOME MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,124Fees | 0.472%Above | 197 | |
30 | CMG MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $2,345Fees | 0.531%Above | 127 | |
31 | THE MORTGAGE LINK, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $1,842Fees | 0.572%Above | 115 | |
32 | MORTGAGE 1 INCORPORATEDIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Exceptional | $2,463Fees | 0.509%Above | 1,181 | |
33 | ROSS MORTGAGE CORPORATIONIndependent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,433Fees | 0.358%Above | 286 | |
34 | Mortgage Research Center, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Strong | $1,556Fees | 0.670%Above | 281 | |
35 | J. VIRGIL, INC.Independent Mortgage Company | Strong | Acceptable | Strong | Strong | Strong | $2,998Fees | 0.496%Above | 115 | |
36 | Equity Prime Mortgage LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Sound | $4,164Fees | 0.994%Above | 81 | |
37 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,795Fees | 0.693%Above | 618 | |
38 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $1,247Fees | 0.053%Below | 326 | |
39 | PRESTON HOME LOANS INCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,322Fees | 0.753%Above | 222 | |
40 | NATIONSTAR MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,457Fees | 0.407%Above | 206 | |
41 | SUCCESS MORTGAGE PARTNERS, INC.Independent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $3,863Fees | 0.539%Above | 188 | |
42 | CALCON MUTUAL MORTGAGE LLCIndependent Mortgage Company | Strong | Mediocre | Exceptional | Strong | Strong | $2,818Fees | 0.670%Above | 148 | |
43 | MUTUAL OF OMAHA MORTGAGE, INC.Independent Mortgage Company | Strong | Acceptable | Exceptional | Sound | Sound | $2,098Fees | 0.385%Above | 74 | |
44 | HIGHLANDS RESIDENTIAL MORTGAGE, LTD.Independent Mortgage Company | Strong | Mediocre | Exceptional | Exceptional | Sound | $2,778Fees | 0.468%Above | 68 | |
45 | MORTGAGE CENTER L.CIndependent Mortgage Company | Sound | Mediocre | Strong | Sound | Exceptional | $1,213Fees | 0.041%Below | 353 | |
46 | NEW AMERICAN FUNDING, LLCIndependent Mortgage Company | Sound | Mediocre | Exceptional | Sound | Strong | $2,663Fees | 0.631%Above | 115 |
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.