Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $572Fees | 0.013%Above | 898 | |
2 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,604Fees | 0.254%Below | 573 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $97Fees | 0.103%Below | 238 | |
4 | Ameris BankBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,303Fees | 0.179%Above | 2,494 | |
5 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,581Fees | 0.076%Above | 1,244 | |
6 | Wells Fargo Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $2,070Fees | 0.054%Below | 730 | |
7 | SouthState Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,436Fees | 0.167%Above | 404 | |
8 | First Federal BankBank | Strong | Strong | Strong | Sound | Strong | $1,659Fees | 0.001%Above | 257 | |
9 | First Horizon BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,155Fees | 0.114%Above | 210 | |
10 | NexBankBank | Strong | Sound | Strong | Strong | Strong | $2,208Fees | 0.250%Above | 275 | |
11 | Synovus BankBank | Strong | Sound | Strong | Strong | Strong | $2,292Fees | 0.037%Above | 162 | |
12 | Regions BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,484Fees | 0.136%Above | 494 | |
13 | United Community BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,432Fees | 0.361%Above | 368 | |
14 | Renasant BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $3,424Fees | 0.092%Above | 324 | |
15 | Flagstar Bank, N.A.Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,736Fees | 0.276%Above | 319 | |
16 | Presidential Bank, FSBBank | Strong | Acceptable | Strong | Strong | Strong | $3,926Fees | 0.423%Above | 310 | |
17 | Magnolia Bank, IncorporatedBank | Strong | Acceptable | Strong | Strong | Strong | $3,180Fees | 0.150%Above | 204 | |
18 | USAA Federal Savings BankBank | Strong | Sound | Strong | Acceptable | Strong | $1,720Fees | 0.107%Below | 187 | |
19 | First National Bank of AmericaBank | Sound | Mediocre | Strong | Sound | Strong | $7,222Fees | 1.894%Above | 187 | |
20 | Metro City BankBank | Sound | Mediocre | Sound | Sound | Strong | $4,302Fees | 1.985%Above | 136 |
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.