Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Leader Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $876Fees | 0.132%Below | 1,491 | |
2 | Cambridge Savings BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $818Fees | 0.272%Below | 270 | |
3 | Fall River Five Cents Savings BankBank | Exceptional | Exceptional | Strong | Strong | Strong | $2,466Fees | 0.013%Below | 92 | |
4 | Citibank, National AssociationBank | Exceptional | Exceptional | Exceptional | Sound | Strong | $82Fees | 0.340%Below | 82 | |
5 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,758Credit | 0.215%Below | 314 | |
6 | Institution for Savings in Newburyport and Its VicinityBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $921Fees | 0.388%Below | 255 | |
7 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $827Fees | 0.244%Below | 250 | |
8 | Berkshire BankBank | Exceptional | Exceptional | Sound | Sound | Exceptional | $152Credit | 0.224%Below | 247 | |
9 | Morgan Stanley Private Bank, National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $341Fees | 0.531%Below | 113 | |
10 | Citizens Bank, National AssociationBank | Exceptional | Strong | Exceptional | Sound | Strong | $982Fees | 0.034%Below | 264 | |
11 | Easthampton Savings BankBank | Exceptional | Strong | Strong | Strong | Strong | $688Fees | 0.087%Below | 87 | |
12 | NBKC BANKBank | Exceptional | Exceptional | Strong | Sound | Sound | $322Fees | 0.183%Below | 58 | |
13 | The Bank of CantonBank | Exceptional | Exceptional | Sound | Sound | Strong | $2Fees | 0.040%Above | 44 | |
14 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $1,975Fees | 0.130%Below | 305 | |
15 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $43Credit | 0.116%Below | 302 | |
16 | Rockland Trust CompanyBank | Strong | Strong | Strong | Sound | Strong | $1,335Fees | 0.213%Below | 199 | |
17 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $2,167Fees | 0.033%Below | 80 | |
18 | Colorado Federal Savings BankBank | Strong | Strong | Strong | Sound | Strong | $727Fees | 0.026%Below | 63 | |
19 | Eastern BankBank | Strong | Strong | Sound | Sound | Strong | $1,358Fees | 0.151%Below | 161 | |
20 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $1,568Fees | 0.166%Above | 58 | |
21 | Enterprise Bank and Trust CompanyBank | Strong | Strong | Sound | Sound | Strong | $1,246Fees | 0.217%Below | 51 | |
22 | Needham BankBank | Strong | Exceptional | Acceptable | Acceptable | Strong | $393Credit | 0.003%Above | 50 | |
23 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $610Fees | 0.107%Above | 173 | |
24 | Charles Schwab Bank, SSBBank | Strong | Sound | Strong | Strong | Sound | $464Fees | 0.326%Below | 43 | |
25 | First-Citizens Bank & Trust CompanyBank | Strong | Sound | Strong | Sound | Sound | $1,230Fees | 0.211%Below | 42 | |
26 | Webster Bank, National AssociationBank | Strong | Sound | Sound | Acceptable | Strong | $839Fees | 0.006%Below | 186 | |
27 | First National Bank of AmericaBank | Sound | Mediocre | Strong | Sound | Strong | $7,510Fees | 1.706%Above | 71 |
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.