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 | Leader Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | $944 | -0.143% | 1,166 | |
2 | Cambridge Savings Bank | Exceptional | Exceptional | Strong | Exceptional | $985 | -0.369% | 226 | |
3 | Berkshire Bank | Exceptional | Exceptional | Strong | Strong | -$168 | -0.209% | 143 | |
4 | Fall River Five Cents Savings Bank | Exceptional | Exceptional | Strong | Strong | $1,335 | +0.009% | 119 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $295 | -0.513% | 106 | |
6 | UniBank for Savings | Exceptional | Exceptional | Strong | Strong | $13 | -0.383% | 37 | |
7 | Manufacturers and Traders Trust Company | Exceptional | Strong | Strong | Exceptional | $117 | -0.154% | 306 | |
8 | The Cape Cod Five Cents Savings Bank | Exceptional | Strong | Exceptional | Strong | -$105 | +0.037% | 159 | |
9 | The Bank of Canton | Exceptional | Exceptional | Sound | Strong | $338 | +0.024% | 87 | |
10 | Needham Bank | Exceptional | Exceptional | Sound | Strong | -$174 | +0.027% | 86 | |
11 | Bluestone Bank | Exceptional | Exceptional | Sound | Strong | $994 | -0.201% | 65 | |
12 | Rockland Trust Company | Strong | Strong | Sound | Exceptional | $1,163 | -0.128% | 323 | |
13 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,086 | -0.106% | 244 | |
14 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,165 | -0.240% | 222 | |
15 | Eastern Bank | Strong | Strong | Sound | Exceptional | $1,359 | -0.238% | 190 | |
16 | U.S. Bank National Association | Strong | Strong | Strong | Strong | -$395 | -0.148% | 173 | |
17 | Easthampton Savings Bank | Strong | Strong | Strong | Strong | $588 | -0.101% | 135 | |
18 | Dedham Institution for Savings | Strong | Strong | Strong | Strong | $621 | -0.198% | 103 | |
19 | Citibank, National Association | Strong | Exceptional | Sound | Sound | $677 | -0.426% | 65 | |
20 | Brookline Bank | Strong | Exceptional | Acceptable | Strong | $361 | -0.218% | 39 | |
21 | NBKC BANK | Strong | Exceptional | Sound | Sound | $84 | -0.221% | 38 | |
22 | Institution for Savings in Newburyport and Its Vicinity | Strong | Exceptional | Sound | Sound | $1,433 | -0.468% | 37 | |
23 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,389 | -0.077% | 78 | |
24 | First-Citizens Bank & Trust Company | Strong | Strong | Strong | Sound | $219 | -0.529% | 48 | |
25 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $1,841 | -0.086% | 273 | |
26 | Merchants Bank of Indiana | Strong | Sound | Strong | Strong | $2,735 | -0.023% | 115 | |
27 | Colorado Federal Savings Bank | Strong | Strong | Sound | Sound | $715 | -0.040% | 43 | |
28 | Webster Bank, National Association | Strong | Sound | Sound | Strong | $1,192 | -0.085% | 195 | |
29 | TD Bank, National Association | Strong | Sound | Sound | Strong | $584 | +0.069% | 128 | |
30 | Evolve Bank & Trust | Strong | Sound | Strong | Sound | $1,250 | +0.068% | 35 |
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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