Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | LAKE MICHIGAN CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Exceptional | $970Fees | 0.086%Below | 1,018 | |
2 | MICHIGAN SCHOOLS AND GOVERNMENTCredit Union | Exceptional | Strong | Strong | Exceptional | $618Fees | 0.321%Below | 852 | |
3 | NAVY FEDERAL CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $755Fees | 0.472%Below | 120 | |
4 | VIBE CREDIT UNIONCredit Union | Exceptional | Exceptional | Sound | Strong | $647Fees | 0.134%Below | 98 | |
5 | MICHIGAN FIRST CREDIT UNIONCredit Union | Strong | Strong | Strong | Strong | $1,363Fees | 0.334%Above | 277 | |
6 | MICHIGAN STATE UNIVERSITY Federal Credit UnionCredit Union | Strong | Strong | Strong | Strong | $1,371Fees | 0.137%Above | 116 | |
7 | Genisys Credit UnionCredit Union | Strong | Sound | Strong | Exceptional | $963Fees | 0.141%Above | 574 | |
8 | CREDIT UNION ONECredit Union | Strong | Strong | Sound | Strong | $448Fees | 0.314%Above | 105 | |
9 | Polish-American Federal Credit UnionCredit Union | Strong | Strong | Acceptable | Strong | $1,128Fees | 1.203%Below | 74 | |
10 | DFCU FINANCIALCredit Union | Sound | Acceptable | Sound | Strong | $1,907Fees | 0.219%Above | 167 |
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.