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 | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Exceptional | $844 | +0.079% | 398 | |
2 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Exceptional | $2,593 | +0.161% | 642 | |
3 | Sandy Spring Bank | Exceptional | Strong | Strong | Strong | Exceptional | $2,144 | +0.231% | 268 | |
4 | MERIDIAN BANK | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,057 | +0.194% | 723 | |
5 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$629 | -0.066% | 494 | |
6 | United Bank | Exceptional | Strong | Strong | Strong | Strong | $1,838 | -0.225% | 186 | |
7 | WesBanco Bank, Inc. | Exceptional | Strong | Strong | Strong | Strong | $1,650 | +0.222% | 100 | |
8 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $3,171 | +0.249% | 255 | |
9 | Fulton Bank, National Association | Strong | Strong | Strong | Sound | Strong | $2,828 | +0.245% | 231 | |
10 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $3,607 | +0.208% | 152 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Sound | Strong | $808 | +0.056% | 145 | |
12 | Shore United Bank, N.A. | Strong | Sound | Strong | Strong | Strong | $2,590 | +0.144% | 193 | |
13 | Presidential Bank, FSB | Strong | Acceptable | Strong | Strong | Strong | $3,958 | +0.253% | 177 | |
14 | The Federal Savings Bank | Strong | Acceptable | Exceptional | Sound | Sound | $2,724 | +0.364% | 69 |
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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