Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | STATE EMPLOYEES' Credit UnionDirect | Exceptional | Strong | Strong | Exceptional | $2,200Fees | 0.738%Below | 9,247 | |
2 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Exceptional | $706Fees | 0.541%Below | 2,526 | |
3 | FOUNDERS FEDERAL CREDIT UNION Credit UnionDirect | Strong | Strong | Strong | Strong | $1,205Fees | 0.530%Below | 333 | |
4 | Truliant Federal Credit Union Credit UnionDirect | Strong | Strong | Sound | Strong | $888Fees | 0.349%Above | 532 | |
5 | COASTAL Federal Credit Union Credit UnionDirect | Strong | Sound | Strong | Exceptional | $2,002Fees | 0.207%Above | 579 | |
6 | LATINO COMMUNITY CREDIT UNION Credit UnionDirect | Sound | Mediocre | Sound | Strong | $2,124Fees | 0.660%Above | 334 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.