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 | $2,382Fees | 0.827%Below | 1,402 | |
2 | NAVY FEDERAL CREDIT UNION Credit UnionDirect | Strong | Exceptional | Sound | Strong | $788Fees | 0.641%Below | 286 | |
3 | COASTAL Federal Credit Union Credit UnionDirect | Strong | Sound | Strong | Exceptional | $2,054Fees | 0.199%Above | 303 | |
4 | LATINO COMMUNITY CREDIT UNION Credit UnionDirect | Sound | Mediocre | Sound | Strong | $2,462Fees | 0.740%Above | 52 |
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.