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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | -$220 | -0.149% | 185 | |
2 | Columbia Bank | Exceptional | Exceptional | Sound | Strong | $18 | -0.774% | 103 | |
3 | Bank of America, National Association | Strong | Strong | Strong | Strong | $2,558 | +0.034% | 136 | |
4 | Citizens Bank, National Association | Strong | Strong | Strong | Strong | $1,340 | -0.003% | 101 | |
5 | Wilmington Savings Fund Society, FSB | Strong | Strong | Strong | Strong | $1,380 | +0.020% | 78 | |
6 | PNC Bank, National Association | Strong | Strong | Strong | Strong | $438 | +0.167% | 66 | |
7 | Manufacturers and Traders Trust Company | Strong | Strong | Strong | Strong | $1,610 | +0.043% | 62 | |
8 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $2,103 | +0.130% | 165 | |
9 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | $2,488 | +0.475% | 51 | |
10 | U.S. Bank National Association | Strong | Strong | Strong | Sound | $123 | +0.014% | 39 | |
11 | Truist Bank | Strong | Strong | Strong | Sound | $918 | -0.006% | 37 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Strong | $2,554 | +0.244% | 151 | |
13 | Fulton Bank, National Association | Strong | Sound | Strong | Strong | $1,992 | +0.286% | 53 | |
14 | First Citizens Community Bank | Strong | Sound | Strong | Strong | $2,357 | +0.311% | 52 | |
15 | TD Bank, National Association | Strong | Sound | Sound | Strong | $425 | +0.315% | 158 | |
16 | Gateway First Bank | Strong | Acceptable | Strong | Strong | $2,727 | +0.455% | 213 | |
17 | USAA Federal Savings Bank | Strong | Sound | Sound | Sound | $1,948 | -0.110% | 37 | |
18 | Flagstar Bank, N.A. | Sound | Acceptable | Strong | Sound | $2,594 | +0.397% | 49 | |
19 | The Federal Savings Bank | Sound | Mediocre | Sound | Sound | $4,119 | +0.330% | 39 |
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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