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 | FirstBank | Strong | Sound | Exceptional | Exceptional | $2,176 | +0.254% | 346 | |
2 | Trustmark National Bank | Strong | Sound | Exceptional | Exceptional | $1,431 | +0.216% | 335 | |
3 | Truist Bank | Strong | Strong | Strong | Strong | $1,424 | +0.075% | 61 | |
4 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$58 | +0.136% | 52 | |
5 | Regions Bank | Strong | Sound | Strong | Exceptional | $1,692 | +0.314% | 708 | |
6 | SouthState Bank, National Association | Strong | Sound | Strong | Exceptional | $2,208 | +0.203% | 394 | |
7 | Cadence Bank | Strong | Sound | Strong | Exceptional | $2,224 | +0.160% | 339 | |
8 | SouthPoint Bank | Strong | Sound | Strong | Exceptional | $2,393 | +0.206% | 289 | |
9 | Synovus Bank | Strong | Sound | Strong | Exceptional | $2,077 | +0.235% | 174 | |
10 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,137 | +0.072% | 126 | |
11 | Ameris Bank | Strong | Sound | Exceptional | Strong | $2,061 | +0.153% | 107 | |
12 | ServisFirst Bank | Strong | Sound | Exceptional | Strong | $1,703 | +0.122% | 84 | |
13 | Renasant Bank | Strong | Acceptable | Exceptional | Exceptional | $2,786 | +0.264% | 295 | |
14 | First Federal Bank, A FSB | Strong | Acceptable | Exceptional | Exceptional | $3,407 | +0.048% | 187 | |
15 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,519 | +0.091% | 94 | |
16 | First Horizon Bank | Strong | Sound | Strong | Strong | $1,871 | +0.132% | 84 | |
17 | USAA Federal Savings Bank | Strong | Sound | Sound | Strong | $2,187 | -0.099% | 53 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,347 | +0.243% | 68 | |
19 | Plains Commerce Bank | Strong | Acceptable | Strong | Strong | $1,992 | +0.362% | 67 | |
20 | Bank of England | Strong | Acceptable | Strong | Strong | $2,865 | +0.350% | 51 | |
21 | River Bank & Trust | Sound | Mediocre | Sound | Strong | $2,880 | +0.659% | 32 | |
22 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $2,349 | +0.530% | 29 |
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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