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 UNION Credit UnionDirect | Strong | Exceptional | Exceptional | Sound | Strong | $784Fees | 0.467%Below | 113 | |
2 | Bank-Fund Staff Federal Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Acceptable | Exceptional | $1,176Credit | 0.114%Below | 129 | |
3 | STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED Credit UnionDirect | Strong | Strong | Strong | Strong | Sound | $1,521Fees | 0.731%Below | 22 | |
4 | United Nations Federal Credit Union Credit UnionDirect | Strong | Exceptional | Sound | Acceptable | Strong | $605Fees | 0.475%Below | 40 | |
5 | IDB Global Federal Credit Union Credit UnionDirect | Sound | Sound | Acceptable | Sound | Strong | $2,212Fees | 0.661%Below | 26 | |
6 | PENTAGON FEDERAL CREDIT UNION Credit UnionDirect | Sound | Acceptable | Strong | Sound | Sound | $3,293Fees | 0.010%Above | 18 | |
7 | WRIGHT PATMAN CONGRESSIONAL FEDERAL CREDIT UNION Credit UnionDirect | Sound | Strong | Acceptable | Acceptable | Sound | $1,251Fees | 0.532%Below | 14 |
Our rankings use a weighted average of scores across equally-weighted categories to evaluate lenders on a linear, raw performance scale.
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.
⚖️ Licensing & Disclosures
Lender rankings and market statistics are created by Dylan Hall, licensed mortgage loan officer (NMLS #1658740). Safe Rate is a mortgage technology platform; mortgage lending services are provided by PartnerOwn LLC dba Safe Rate Mortgage, a licensed mortgage broker and lender (NMLS #1590949). Safe Rate Mortgage is a lending partner of some of the lenders ranked on this page, and Safe Rate Inc. has software or service customers on this list; however, all rankings are calculated using objective, public Home Mortgage Disclosure Act (HMDA) datasets, completely independent of any corporate partnerships, client relationships, or compensation.