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