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 | TOWN & COUNTRY FEDERAL CREDIT UNION | Exceptional | Exceptional | Sound | Strong | Exceptional | $497 | -0.067% | 129 | |
2 | NAVY FEDERAL CREDIT UNION | Exceptional | Exceptional | Exceptional | Sound | Strong | $314 | -0.404% | 62 | |
3 | Service Federal Credit Union | Strong | Exceptional | Sound | Acceptable | Sound | $653 | -0.390% | 26 | |
4 | Empeople Credit Union | Strong | Strong | Strong | Sound | Sound | $1,084 | -0.367% | 24 | |
5 | CUMBERLAND COUNTY | Strong | Strong | Acceptable | Sound | Strong | $1,413 | +0.509% | 19 | |
6 | NORTHEAST CREDIT UNION | Strong | Sound | Sound | Sound | Strong | $1,122 | +0.248% | 71 | |
7 | SACO VALLEY CREDIT UNION | Strong | Sound | Acceptable | Strong | Strong | $769 | +0.260% | 32 | |
8 | University Credit Union | Sound | Acceptable | Sound | Sound | Sound | $1,930 | +0.385% | 15 | |
9 | EVERGREEN CREDIT UNION | Sound | Acceptable | Acceptable | Acceptable | Strong | $1,775 | +0.164% | 51 |
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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