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