Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Wells Fargo Bank, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,583Fees | 0.039%Below | 935 | |
2 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $1,668Fees | 0.167%Below | 807 | |
3 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $748Fees | 0.050%Above | 295 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Exceptional | $280Credit | 0.057%Above | 639 | |
5 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,640Fees | 0.083%Below | 267 | |
6 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $503Fees | 0.121%Above | 198 | |
7 | JPMorgan Chase Bank, National AssociationBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,750Fees | 0.065%Above | 825 | |
8 | First National Bank of PennsylvaniaBank | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,737Fees | 0.015%Below | 426 | |
9 | Regions BankBank | Strong | Sound | Exceptional | Strong | Strong | $1,905Fees | 0.125%Above | 236 | |
10 | PNC Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $395Credit | 0.017%Above | 120 | |
11 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $530Fees | 0.314%Above | 106 | |
12 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Strong | $2,327Fees | 0.143%Above | 283 | |
13 | Towne BankBank | Strong | Acceptable | Exceptional | Strong | Strong | $4,535Fees | 0.252%Above | 175 | |
14 | Flagstar Bank, N.A.Bank | Sound | Mediocre | Exceptional | Sound | Strong | $2,593Fees | 0.333%Above | 161 |
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.