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 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,247 | -0.053% | 326 | |
2 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | -$331 | +0.068% | 178 | |
3 | LAKE MICHIGAN CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $970 | -0.086% | 1,018 | |
4 | Genisys Credit Union | Exceptional | Strong | Strong | Exceptional | Exceptional | $963 | +0.141% | 574 | |
5 | GUARANTEED RATE, INC. | Exceptional | Strong | Exceptional | Strong | Strong | $2,202 | +0.297% | 313 | |
6 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $815 | +0.046% | 188 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$330 | +0.250% | 181 | |
8 | UNITED WHOLESALE MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,135 | +0.360% | 6,648 | |
9 | ROCKET MORTGAGE, LLC | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,822 | +0.331% | 4,709 | |
10 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | — | Strong | Exceptional | $618 | -0.321% | 852 | |
11 | STAUNTON FINANCIAL, INC. | Exceptional | Sound | Strong | Exceptional | Exceptional | $1,799 | +0.218% | 788 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $1,633 | +0.269% | 805 | |
13 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$1,011 | +0.188% | 165 | |
14 | First Merchants Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,051 | +0.165% | 582 | |
15 | Superior National Bank | Strong | Sound | — | Strong | Exceptional | $1,038 | +0.285% | 342 | |
16 | The Dart Bank | Strong | Sound | Strong | Strong | Strong | $1,639 | +0.203% | 291 | |
17 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Strong | $118 | +0.261% | 625 | |
18 | CROSSCOUNTRY MORTGAGE, LLC | Strong | Acceptable | Exceptional | Strong | Strong | $3,795 | +0.693% | 618 | |
19 | GreenStone Farm Credit Services, FLCA | Strong | Acceptable | Strong | Exceptional | Strong | $2,823 | +0.561% | 112 | |
20 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $1,831 | +0.437% | 926 | |
21 | Independent Bank | Sound | Mediocre | Strong | Strong | Strong | $993 | +0.269% | 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.
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