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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | First National Bank of Pennsylvania | Exceptional | Exceptional | Strong | Strong | Exceptional | $1,737 | -0.015% | 426 | |
2 | First-Citizens Bank & Trust Company | Exceptional | Exceptional | Strong | Sound | Strong | $1,640 | -0.083% | 267 | |
3 | SOFI BANK, NATIONAL ASSOCIATION | Exceptional | Exceptional | Strong | Sound | Strong | $200 | +0.092% | 199 | |
4 | NBKC BANK | Exceptional | Exceptional | Strong | Sound | Strong | $506 | -0.208% | 157 | |
5 | Truist Bank | Exceptional | Strong | Strong | Sound | Exceptional | -$280 | +0.057% | 639 | |
6 | First Federal Bank | Exceptional | Strong | Strong | Strong | Strong | $2,328 | +0.096% | 307 | |
7 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Sound | Strong | $748 | +0.050% | 295 | |
8 | SouthState Bank, National Association | Exceptional | Strong | Strong | Strong | Strong | $2,327 | +0.143% | 283 | |
9 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $503 | +0.121% | 198 | |
10 | Towne Bank | Exceptional | Sound | Exceptional | Exceptional | Strong | $4,535 | +0.252% | 175 | |
11 | Pinnacle Bank | Exceptional | Strong | Strong | Strong | Strong | $1,887 | +0.153% | 111 | |
12 | Uwharrie Bank | Strong | Strong | Sound | Sound | Exceptional | $1,554 | +0.271% | 229 | |
13 | Ameris Bank | Strong | Sound | Exceptional | Strong | Strong | $2,866 | +0.125% | 196 | |
14 | Flagstar Bank, N.A. | Strong | Sound | Exceptional | Strong | Strong | $2,593 | +0.333% | 161 | |
15 | Plains Commerce Bank | Strong | Sound | Exceptional | Strong | Strong | $2,839 | +0.277% | 98 | |
16 | Wells Fargo Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $1,583 | -0.039% | 935 | |
17 | Regions Bank | Strong | Sound | Exceptional | Sound | Strong | $1,905 | +0.125% | 236 | |
18 | Bank of America, National Association | Strong | Acceptable | Strong | Sound | Exceptional | $1,668 | -0.167% | 807 | |
19 | 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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