Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Bank of America, National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Strong | $1,623Fees | 0.016%Below | 60 | |
2 | U.S. Bank National AssociationBank | Exceptional | Exceptional | Exceptional | Strong | Sound | $247Fees | 0.099%Above | 39 | |
3 | First-Citizens Bank & Trust CompanyBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,454Fees | 0.069%Below | 155 | |
4 | Truist BankBank | Exceptional | Strong | Exceptional | Strong | Strong | $1,666Fees | 0.149%Above | 152 | |
5 | Fifth Third Bank, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Strong | $252Fees | 0.072%Below | 75 | |
6 | PRIMELENDING, A PLAINSCAPITAL COMPANYIndependent Mortgage Company | Exceptional | Sound | Exceptional | Strong | Exceptional | $3,957Fees | 0.129%Above | 653 | |
7 | Truliant Federal Credit UnionCredit Union | Exceptional | Strong | Strong | Strong | Strong | $930Fees | 0.208%Above | 65 | |
8 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,085Fees | 0.135%Above | 195 | |
9 | First National Bank of PennsylvaniaBank | Strong | Sound | Exceptional | Strong | Strong | $1,136Fees | 0.021%Above | 70 | |
10 | First Palmetto BankBank | Strong | Strong | — | Strong | Strong | $1,261Fees | 0.259%Above | 49 | |
11 | SouthState Bank, National AssociationBank | Strong | Acceptable | Exceptional | Strong | Exceptional | $1,577Fees | 0.219%Above | 235 | |
12 | TD Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Sound | $935Fees | 0.308%Above | 44 | |
13 | Southern First BankBank | Strong | Acceptable | Strong | Strong | Exceptional | $1,745Fees | 0.220%Above | 395 | |
14 | The Park National BankBank | Strong | Acceptable | Strong | Strong | Strong | $1,350Fees | 0.427%Above | 82 |
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.