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 | LAKE MICHIGAN CREDIT UNION | Exceptional | Exceptional | Exceptional | Exceptional | Exceptional | $890 | -0.180% | 217 | |
2 | UNIVERSITY OF MICHIGAN CREDIT UNION | Exceptional | Exceptional | Sound | Sound | Exceptional | $434 | +0.077% | 72 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Acceptable | -$23 | -0.568% | 10 | |
4 | MICHIGAN SCHOOLS AND GOVERNMENT | Strong | Strong | Strong | Strong | Sound | $618 | -0.326% | 23 | |
5 | MICHIGAN FIRST CREDIT UNION | Strong | Strong | Strong | Strong | Sound | $1,164 | -0.026% | 16 | |
6 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Strong | Strong | Strong | Strong | Sound | $1,872 | +0.107% | 12 | |
7 | Genisys Credit Union | Strong | Sound | Strong | Sound | Sound | $1,121 | +0.309% | 13 | |
8 | DFCU FINANCIAL | Strong | Acceptable | Strong | Sound | Strong | $2,267 | +0.238% | 38 |
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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