Safe Rate Rankings

Best Credit Union Mortgage Lenders in Rochester

Updated February 5, 2026

⚖️ The 4 PsRankings are calculated based on observed lender differences on closed loans across Pricing, Pull-through, Product, and Place.

🛡️ No Pay to PlayLenders cannot buy their way to the top. Rankings are 100% earned.

📊 HMDA 2024Built using publicly available originated loan data from the federal government.

🎯 Peer BenchmarkedPerformance is normalized and benchmarked against peer institutions.

Market

Total Lenders6

Total Loans2,266

Median Rate Spread0.21%

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Rank	Lender	Overall	Pricing	Product	Pull Through	Place	Avg Fees	Rate Spread	# of Loans
1	ALTRA Federal Credit UnionCredit Union	Exceptional	Sound	Exceptional	Exceptional	Exceptional	$2,280Fees	0.178%Above	93
2	NAVY FEDERAL CREDIT UNIONCredit Union	Exceptional	Exceptional	Exceptional	Sound	Sound	$294Fees	0.457%Below	11
3	MAYO EMPLOYEES FEDERAL CREDIT UNIONCredit Union	Strong	Sound	Sound	Sound	Strong	$3,812Fees	0.135%Below	46
4	AFFINITY PLUSCredit Union	Strong	Sound	Strong	Sound	Sound	$2,446Fees	0.160%Below	20
5	MARINE CREDIT UNIONCredit Union	Sound	Mediocre	Strong	Sound	Sound	$2,664Fees	1.351%Above	16

How We Rank Lenders

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.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

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.