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 | U.S. Bank National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | $173 | +0.152% | 1,013 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Strong | Exceptional | -$1,772 | -0.106% | 702 | |
3 | Bank of America, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,662 | -0.093% | 814 | |
4 | Wells Fargo Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,683 | -0.061% | 469 | |
5 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Exceptional | Strong | Strong | $275 | -0.438% | 221 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Strong | Exceptional | -$501 | +0.216% | 937 | |
7 | Associated Bank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $520 | +0.097% | 305 | |
8 | BMO Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $406 | +0.420% | 453 | |
9 | Old National Bank | Exceptional | Strong | Exceptional | Strong | Strong | $909 | +0.018% | 452 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $1,681 | +0.147% | 5,072 | |
11 | Barrington Bank & Trust Company, National Association | Exceptional | Strong | Strong | Sound | Exceptional | $1,916 | +0.445% | 1,731 | |
12 | Liberty Bank for Savings | Exceptional | Strong | Strong | Strong | Strong | $581 | -0.254% | 149 | |
13 | PNC Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | -$252 | +0.168% | 347 | |
14 | The Huntington National Bank | Strong | Acceptable | Exceptional | Strong | Exceptional | -$876 | +0.180% | 1,680 | |
15 | CIBC Bank USA | Strong | Sound | Strong | Strong | Strong | -$1,094 | +0.159% | 185 | |
16 | Marquette Bank | Strong | Strong | — | Sound | Strong | $1,676 | +0.055% | 174 | |
17 | NexBank | Strong | Acceptable | Exceptional | Strong | Strong | $1,482 | +0.416% | 243 | |
18 | The Federal Savings Bank | Strong | Acceptable | Strong | Sound | Exceptional | $3,016 | +0.786% | 728 | |
19 | Flagstar Bank, N.A. | Sound | Mediocre | Exceptional | Sound | Strong | $2,367 | +0.559% | 460 |
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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