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.
Total Lenders6
Total Loans1,009
Median Rate Spread0.08%

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RankLenderOverallPricingPull ThroughPlaceAvg FeesRate Spread# of LoansAction
1
THE SUMMIT Federal Credit UnionCredit Union
Exceptional
Exceptional
Sound
Strong
$455Fees
0.036%Below
79
2
FAMILY FIRST OF NYCredit Union
Exceptional
Exceptional
Sound
Strong
$1,159Fees
0.014%Below
76
3
RELIANT COMMUNITY FEDERAL CREDIT UNIONCredit Union
Strong
Strong
Strong
Strong
$691Fees
0.316%Above
175
4
NAVY FEDERAL CREDIT UNIONCredit Union
Strong
Exceptional
Sound
Sound
$102Fees
0.323%Below
39
5
Pittsford Federal Credit UnionCredit Union
Strong
Exceptional
Acceptable
Strong
$1,635Fees
0.278%Below
30
6
ESL Federal Credit UnionCredit Union
Strong
Acceptable
Exceptional
Exceptional
$2,115Fees
0.427%Above
596

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)

10
Pricing
Rate and fee competitiveness (33%)
10
Pull Through
Reliability in closing loans (33%)
10
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.