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