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 | Leader Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $636 | -0.086% | 168 | |
2 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Strong | Exceptional | Exceptional | $743 | +0.263% | 573 | |
3 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | Sound | $907 | +0.031% | 25 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Sound | $144 | -0.401% | 15 | |
5 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,169 | -0.229% | 49 | |
6 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Sound | $232 | -0.054% | 30 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $289 | -0.558% | 28 | |
8 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Sound | $590 | -0.280% | 11 | |
9 | Rockland Trust Company | Strong | Strong | Strong | Sound | Strong | $1,236 | -0.047% | 58 | |
10 | Citizens Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $1,954 | +0.123% | 43 | |
11 | Wells Fargo Bank, National Association | Strong | Strong | Exceptional | Sound | Sound | $2,181 | -0.141% | 20 | |
12 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | Sound | $697 | +0.146% | 13 | |
13 | Berkshire Bank | Strong | Exceptional | Sound | Sound | Sound | $307 | +0.027% | 12 | |
14 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,493 | +0.090% | 34 | |
15 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Sound | $1,544 | +0.070% | 15 | |
16 | Eastern Bank | Strong | Strong | Sound | Sound | Sound | $1,261 | -0.141% | 19 | |
17 | Evolve Bank & Trust | Strong | Sound | Strong | Strong | Sound | $1,395 | +0.308% | 12 | |
18 | Charles Schwab Bank, SSB | Strong | Sound | Strong | Strong | Sound | $796 | -0.335% | 11 | |
19 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $1,315 | +0.244% | 32 | |
20 | First National Bank of America | Sound | Mediocre | Strong | Sound | Acceptable | $8,855 | +1.797% | 10 |
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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