Safe Rate Rankings
Shopping for a mortgage? Click the heart icon to save lenders to My Home and make comparison painless.
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | $1,059Fees | 0.003%Above | 278 | |
2 | MICHIGAN FIRST CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $1,256Fees | 0.389%Above | 268 | |
3 | VIBE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $913Fees | 0.169%Above | 54 | |
4 | MICHIGAN SCHOOLS AND GOVERNMENTCredit Union | Strong | Strong | Strong | Strong | $698Fees | 0.283%Below | 113 | |
5 | NAVY FEDERAL CREDIT UNIONCredit Union | Strong | Exceptional | Sound | Sound | $241Fees | 0.460%Below | 69 | |
6 | COMMUNITY FINANCIAL CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | $1,341Fees | 0.133%Above | 63 | |
7 | CREDIT UNION ONECredit Union | Strong | Strong | Sound | Strong | $320Fees | 0.572%Above | 60 | |
8 | Genisys Credit UnionCredit Union | Strong | Sound | Strong | Sound | $1,010Fees | 0.173%Above | 46 | |
9 | DFCU FINANCIALCredit Union | Strong | Acceptable | Sound | Exceptional | $1,902Fees | 0.285%Above | 295 |
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.