Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.
Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Truist Bank | Exceptional | Strong | Strong | Exceptional | $572 | +0.013% | 898 | |
2 | First Federal Bank | Exceptional | Exceptional | Sound | Strong | $1,659 | +0.001% | 257 | |
3 | Ameris Bank | Strong | Sound | Exceptional | Exceptional | $3,303 | +0.179% | 2,494 | |
4 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,604 | -0.254% | 573 | |
5 | U.S. Bank National Association | Strong | Strong | Strong | Strong | $97 | -0.103% | 238 | |
6 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $2,581 | +0.076% | 1,244 | |
7 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,070 | -0.054% | 730 | |
8 | Regions Bank | Strong | Sound | Strong | Strong | $2,484 | +0.136% | 494 | |
9 | SouthState Bank, National Association | Strong | Sound | Strong | Strong | $2,436 | +0.167% | 404 | |
10 | NexBank | Strong | Sound | Strong | Strong | $2,208 | +0.250% | 275 | |
11 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,155 | +0.114% | 210 | |
12 | Synovus Bank | Strong | Sound | Strong | Strong | $2,292 | +0.037% | 162 | |
13 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | $3,424 | +0.092% | 324 | |
14 | Magnolia Bank, Incorporated | Strong | Acceptable | Exceptional | Strong | $3,180 | +0.150% | 204 | |
15 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $1,720 | -0.107% | 187 | |
16 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,736 | +0.276% | 319 | |
17 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | $3,926 | +0.423% | 310 | |
18 | United Community Bank | Sound | Acceptable | Sound | Strong | $2,432 | +0.361% | 368 | |
19 | Metro City Bank | Sound | Mediocre | Strong | Strong | $4,302 | +1.985% | 136 | |
20 | First National Bank of America | Sound | Mediocre | Sound | Strong | $7,222 | +1.894% | 187 |
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.
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