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