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 | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|
1 | Citibank, National Association | Exceptional | Exceptional | Sound | Exceptional | -$1,772 | -0.106% | 702 | |
2 | Old National Bank | Exceptional | Exceptional | Strong | Strong | $909 | +0.018% | 452 | |
3 | Associated Bank, National Association | Exceptional | Exceptional | Strong | Strong | $520 | +0.097% | 305 | |
4 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Strong | $275 | -0.438% | 221 | |
5 | The Huntington National Bank | Exceptional | Strong | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
6 | U.S. Bank National Association | Exceptional | Strong | Strong | Exceptional | $173 | +0.152% | 1,013 | |
7 | Fifth Third Bank, National Association | Exceptional | Strong | Strong | Exceptional | -$501 | +0.216% | 937 | |
8 | Busey Bank | Exceptional | Strong | Exceptional | Strong | $788 | +0.667% | 160 | |
9 | NBKC BANK | Exceptional | Exceptional | Sound | Strong | $686 | -0.045% | 147 | |
10 | Bank of America, National Association | Strong | Strong | Strong | Strong | $1,662 | -0.093% | 814 | |
11 | PNC Bank, National Association | Strong | Strong | Strong | Strong | -$252 | +0.168% | 347 | |
12 | JPMorgan Chase Bank, National Association | Strong | Sound | Strong | Exceptional | $1,681 | +0.147% | 5,072 | |
13 | Wells Fargo Bank, National Association | Strong | Strong | Sound | Strong | $1,683 | -0.061% | 469 | |
14 | CIBC Bank USA | Strong | Strong | Sound | Strong | -$1,094 | +0.159% | 185 | |
15 | Marquette Bank | Strong | Strong | Sound | Strong | $1,676 | +0.055% | 174 | |
16 | Liberty Bank for Savings | Strong | Strong | Sound | Strong | $581 | -0.254% | 149 | |
17 | First American Bank | Strong | Strong | Sound | Strong | $1,203 | +0.144% | 141 | |
18 | NexBank | Strong | Sound | Strong | Strong | $1,482 | +0.416% | 243 | |
19 | Barrington Bank & Trust Company, National Association | Strong | Acceptable | Strong | Exceptional | $1,916 | +0.445% | 1,731 | |
20 | BMO Bank National Association | Strong | Sound | Sound | Strong | $406 | +0.420% | 453 | |
21 | CIBM Bank | Strong | Sound | Sound | Strong | $1,325 | +0.441% | 215 | |
22 | Home State Bank, National Association | Strong | Sound | Sound | Strong | $1,744 | +0.458% | 148 | |
23 | Flagstar Bank, N.A. | Strong | Acceptable | Strong | Strong | $2,367 | +0.559% | 460 | |
24 | The Federal Savings Bank | Sound | Mediocre | Sound | Exceptional | $3,016 | +0.786% | 728 | |
25 | Ixonia Bank | Sound | Mediocre | Strong | Strong | $3,413 | +0.815% | 333 |
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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