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 | $1,074 | -0.051% | 6,220 | |
2 | CONSUMERS CREDIT UNION | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,329 | +0.288% | 1,200 | |
3 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $573 | -0.489% | 503 | |
4 | MICHIGAN SCHOOLS AND GOVERNMENT | Exceptional | Strong | Strong | Strong | Exceptional | $642 | -0.310% | 1,084 | |
5 | MICHIGAN STATE UNIVERSITY Federal Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,207 | +0.262% | 841 | |
6 | MICHIGAN FIRST CREDIT UNION | Exceptional | Strong | Strong | Strong | Exceptional | $1,362 | +0.321% | 777 | |
7 | Honor Credit Union | Exceptional | Strong | Strong | Strong | Exceptional | $936 | +0.240% | 485 | |
8 | Frankenmuth Credit Union | Exceptional | Strong | Strong | Exceptional | Strong | $1,152 | +0.250% | 374 | |
9 | UNITED FEDERAL CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $1,415 | +0.183% | 401 | |
10 | DOW CREDIT UNION | Exceptional | Strong | Strong | Strong | Strong | $121 | +0.803% | 233 | |
11 | CREDIT UNION ONE | Strong | Strong | Strong | Sound | Strong | $414 | +0.350% | 281 | |
12 | Dort Financial Credit Union | Strong | Sound | Strong | Exceptional | Strong | $600 | +0.216% | 273 | |
13 | Genisys Credit Union | Strong | Sound | Strong | Sound | Exceptional | $938 | +0.149% | 810 | |
14 | ARBOR FINANCIAL CREDIT UNION | Strong | Sound | Strong | Strong | Strong | $1,504 | +0.299% | 316 | |
15 | COMMUNITY FINANCIAL CREDIT UNION | Strong | Strong | Sound | Acceptable | Strong | $1,147 | +0.155% | 231 | |
16 | DFCU FINANCIAL | Strong | Acceptable | Strong | Sound | Exceptional | $2,072 | +0.258% | 623 |
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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