Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | RANDOLPH-BROOKS FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $445Fees | 0.281%Above | 2,390 | |
2 | ALLIANCE CREDIT UNIONCredit Union | Exceptional | Exceptional | Strong | Exceptional | $1,177Fees | 0.165%Above | 832 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $943Fees | 0.492%Below | 2,420 | |
4 | SECURITY SERVICE FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $320Credit | 0.052%Above | 849 | |
5 | Texas Tech Federal Credit UnionCredit Union | Exceptional | Strong | Exceptional | Exceptional | $1,615Fees | 0.232%Above | 812 | |
6 | RALLY CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Exceptional | $798Fees | 0.354%Above | 797 | |
7 | UNIVERSITY Federal Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $3,378Fees | 0.070%Above | 1,015 | |
8 | TEXAS DOW EMPLOYEES CREDIT UNIONCredit Union | Strong | Sound | Strong | Exceptional | $1,069Fees | 0.479%Above | 761 |
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.