Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Liberty BankBank | Exceptional | Exceptional | — | Strong | Exceptional | $18Credit | 0.152%Below | 682 | |
2 | Thomaston Savings BankBank | Exceptional | Exceptional | Sound | Strong | Exceptional | $1,059Fees | 0.034%Above | 230 | |
3 | U.S. Bank National AssociationBank | Exceptional | Strong | Exceptional | Sound | Exceptional | $721Credit | 0.123%Below | 817 | |
4 | Manufacturers and Traders Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,426Fees | 0.028%Above | 385 | |
5 | KeyBank National AssociationBank | Exceptional | Exceptional | Strong | Sound | Strong | $1,403Fees | 0.016%Below | 115 | |
6 | Newtown Savings BankBank | Exceptional | Strong | — | Strong | Exceptional | $1,791Fees | 0.207%Below | 524 | |
7 | Citizens Bank, National AssociationBank | Strong | Strong | Strong | Sound | Strong | $1,317Fees | 0.021%Above | 365 | |
8 | First Federal BankBank | Strong | Strong | Strong | Strong | Sound | $1,483Fees | 0.364%Above | 75 | |
9 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Strong | Sound | Exceptional | $2,456Fees | 0.139%Above | 736 | |
10 | Flagstar Bank, N.A.Bank | Strong | Sound | Exceptional | Strong | Sound | $3,729Fees | 0.229%Above | 76 | |
11 | Evolve Bank & TrustBank | Strong | Sound | Strong | Strong | Strong | $2,449Fees | 0.369%Above | 72 | |
12 | Wells Fargo Bank, National AssociationBank | Strong | Sound | Strong | Sound | Strong | $2,214Fees | 0.027%Above | 306 | |
13 | Magnolia Bank, IncorporatedBank | Strong | Sound | Strong | Strong | Sound | $4,844Fees | 0.576%Above | 76 | |
14 | Bank of America, National AssociationBank | Strong | Acceptable | Strong | Sound | Strong | $1,480Fees | 0.242%Below | 461 | |
15 | Ixonia BankBank | Strong | Mediocre | Exceptional | Strong | Strong | $3,726Fees | 0.630%Above | 128 | |
16 | The Federal Savings BankBank | Strong | Acceptable | Exceptional | Sound | Sound | $5,309Fees | 0.567%Above | 69 |
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.