Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,247Fees | 0.053%Below | 326 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $331Credit | 0.068%Above | 178 | |
3 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Strong | Exceptional | Strong | Exceptional | $970Fees | 0.086%Below | 1,018 | |
4 | Genisys Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $963Fees | 0.141%Above | 574 | |
5 | GUARANTEED RATE, INC.Independent Mortgage Company | Exceptional | Strong | Exceptional | Strong | Strong | $2,202Fees | 0.297%Above | 313 | |
6 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $815Fees | 0.046%Above | 188 | |
7 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $330Credit | 0.250%Above | 181 | |
8 | UNITED WHOLESALE MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,135Fees | 0.360%Above | 6,648 | |
9 | ROCKET MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,822Fees | 0.331%Above | 4,709 | |
10 | MICHIGAN SCHOOLS AND GOVERNMENTCredit Union | Exceptional | Strong | — | Strong | Exceptional | $618Fees | 0.321%Below | 852 | |
11 | STAUNTON FINANCIAL, INC.Independent Mortgage Company | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,799Fees | 0.218%Above | 788 | |
12 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,633Fees | 0.269%Above | 805 | |
13 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,011Credit | 0.188%Above | 165 | |
14 | First Merchants BankBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,051Fees | 0.165%Above | 582 | |
15 | Superior National BankBank | Strong | Sound | — | Strong | Exceptional | $1,038Fees | 0.285%Above | 342 | |
16 | The Dart BankBank | Strong | Sound | Strong | Strong | Strong | $1,639Fees | 0.203%Above | 291 | |
17 | The Huntington National BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $118Fees | 0.261%Above | 625 | |
18 | CROSSCOUNTRY MORTGAGE, LLCIndependent Mortgage Company | Strong | Acceptable | Exceptional | Strong | Strong | $3,795Fees | 0.693%Above | 618 | |
19 | GreenStone Farm Credit Services, FLCAIndependent Mortgage Company | Strong | Acceptable | Strong | Exceptional | Strong | $2,823Fees | 0.561%Above | 112 | |
20 | Flagstar Bank, N.A.Bank | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,831Fees | 0.437%Above | 926 | |
21 | Independent BankBank | Sound | Mediocre | Strong | Strong | Strong | $993Fees | 0.269%Above | 228 |
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.