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 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Strong | Strong | -$220 | -0.149% | 185 | |
2 | Wilmington Savings Fund Society, FSB | Exceptional | Exceptional | Strong | Sound | Strong | $1,380 | +0.020% | 78 | |
3 | Manufacturers and Traders Trust Company | Exceptional | Strong | Exceptional | Strong | Strong | $1,610 | +0.043% | 62 | |
4 | First Citizens Community Bank | Exceptional | Strong | Strong | Strong | Strong | $2,357 | +0.311% | 52 | |
5 | TD Bank, National Association | Strong | Strong | Strong | Sound | Strong | $425 | +0.315% | 158 | |
6 | Citizens Bank, National Association | Strong | Strong | Strong | Sound | Strong | $1,340 | -0.003% | 101 | |
7 | MERIDIAN BANK | Strong | Sound | Exceptional | Strong | Strong | $2,488 | +0.475% | 51 | |
8 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Sound | $2,594 | +0.397% | 49 | |
9 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,727 | +0.455% | 213 | |
10 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Strong | $2,103 | +0.130% | 165 |
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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