Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Empower Federal Credit UnionCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $0Fees | 0.193%Above | 873 | |
2 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $555Fees | 0.473%Below | 643 | |
3 | AMERICU Credit UnionCredit Union | Exceptional | Strong | Strong | Exceptional | $1,274Fees | 0.085%Above | 640 | |
4 | TEACHERS FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Exceptional | $705Fees | 0.234%Above | 599 | |
5 | Municipal Credit UnionCredit Union | Exceptional | Exceptional | Sound | Strong | $512Fees | 0.267%Below | 238 | |
6 | Bethpage Federal Credit UnionCredit Union | Strong | Strong | Sound | Exceptional | $1,671Fees | 0.188%Below | 699 | |
7 | SUNMARK CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,868Fees | 0.050%Above | 309 | |
8 | HUDSON VALLEY CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,134Fees | 0.096%Above | 497 | |
9 | United Nations Federal Credit UnionCredit Union | Strong | Strong | Sound | Strong | $175Fees | 0.601%Below | 253 | |
10 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Exceptional | Exceptional | $2,124Fees | 0.432%Above | 636 |
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.