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 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,668 | -0.167% | 807 | |
2 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Exceptional | -$280 | +0.057% | 639 | |
3 | First National Bank of Pennsylvania | Exceptional | Strong | Exceptional | Strong | Exceptional | $1,737 | -0.015% | 426 | |
4 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,583 | -0.039% | 935 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $748 | +0.050% | 295 | |
6 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $506 | -0.208% | 157 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$395 | +0.017% | 120 | |
8 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750 | +0.065% | 825 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $503 | +0.121% | 198 | |
10 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $2,328 | +0.096% | 307 | |
11 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,327 | +0.143% | 283 | |
12 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,866 | +0.125% | 196 | |
13 | SOFI BANK, NATIONAL ASSOCIATION | Strong | Strong | Strong | Acceptable | Strong | $200 | +0.092% | 199 | |
14 | Pinnacle Bank | Strong | Sound | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
15 | First-Citizens Bank & Trust Company | Strong | Sound | Strong | Sound | Strong | $1,640 | -0.083% | 267 | |
16 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $1,905 | +0.125% | 236 | |
17 | Uwharrie Bank | Strong | Sound | Sound | Sound | Exceptional | $1,554 | +0.271% | 229 | |
18 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,593 | +0.333% | 161 | |
19 | TD Bank, National Association | Strong | Sound | Strong | Sound | Strong | $530 | +0.314% | 106 | |
20 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,839 | +0.277% | 98 | |
21 | Towne Bank | Strong | Acceptable | Strong | Strong | Strong | $4,535 | +0.252% | 175 | |
22 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Strong | $2,228 | -0.110% | 115 | |
23 | Ixonia Bank | Strong | Mediocre | Exceptional | Strong | Strong | $2,806 | +0.603% | 134 |
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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