Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Sound | Sound | $102Fees | 0.323%Below | 39 | |
2 | RELIANT COMMUNITY FEDERAL CREDIT UNIONCredit Union | Strong | Strong | Sound | Strong | Strong | $691Fees | 0.316%Above | 175 | |
3 | THE SUMMIT Federal Credit UnionCredit Union | Strong | Exceptional | Sound | Acceptable | Strong | $455Fees | 0.036%Below | 79 | |
4 | FAMILY FIRST OF NYCredit Union | Strong | Exceptional | Acceptable | Sound | Strong | $1,159Fees | 0.014%Below | 76 | |
5 | ESL Federal Credit UnionCredit Union | Strong | Acceptable | Strong | Exceptional | Exceptional | $2,115Fees | 0.427%Above | 596 | |
6 | Pittsford Federal Credit UnionCredit Union | Strong | Exceptional | Acceptable | Acceptable | Strong | $1,635Fees | 0.278%Below | 30 |
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.