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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$820 | -0.142% | 8,858 | |
2 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $241 | -0.196% | 6,267 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$518 | -0.287% | 5,011 | |
4 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,742 | -0.289% | 3,776 | |
5 | HSBC BANK USA, NATIONAL ASSOCIATION | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,668 | -0.198% | 1,592 | |
6 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $305 | -0.471% | 1,247 | |
7 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$405 | -0.030% | 2,800 | |
8 | First-Citizens Bank & Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | -$551 | -0.117% | 660 | |
9 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,238 | +0.068% | 7,658 | |
10 | Charles Schwab Bank, SSB | Exceptional | Sound | Exceptional | Exceptional | Strong | $633 | -0.277% | 821 | |
11 | Zions Bancorporation, N.A. | Exceptional | Strong | Exceptional | Sound | Strong | $1,167 | -0.201% | 634 | |
12 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$791 | +0.009% | 1,452 | |
13 | City National Bank | Strong | Strong | Strong | Sound | Strong | $2,580 | +0.021% | 699 | |
14 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,429 | +0.399% | 602 | |
15 | Flagstar Bank, N.A. | Strong | Mediocre | Exceptional | Sound | Exceptional | $2,818 | +0.246% | 2,514 |
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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