Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,566Fees | 0.163%Below | 41 | |
2 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $2,135Fees | 0.129%Below | 39 | |
3 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,294Fees | 0.032%Below | 107 | |
4 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $644Fees | 0.057%Above | 21 | |
5 | ALLIANT CREDIT UNIONCredit Union | Exceptional | Exceptional | Exceptional | Strong | Sound | $1,051Fees | 0.247%Above | 20 | |
6 | UNITED FEDERAL CREDIT UNIONCredit Union | Exceptional | Strong | Strong | Strong | Exceptional | $1,359Fees | 0.027%Above | 125 | |
7 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $695Fees | 0.015%Below | 45 | |
8 | MOVEMENT MORTGAGE, LLCIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,711Fees | 0.340%Above | 436 | |
9 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $694Fees | 0.135%Above | 59 | |
10 | Charles Schwab Bank, SSBBank | Strong | Sound | Exceptional | Exceptional | Sound | $918Fees | 0.094%Below | 10 | |
11 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Sound | $757Fees | 0.020%Above | 15 | |
12 | EASTMAN CREDIT UNIONCredit Union | Strong | Sound | Strong | Strong | Sound | $2,940Fees | 0.025%Above | 13 |
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.