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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $312 | -0.027% | 312 | |
2 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,644 | -0.264% | 174 | |
3 | Truist Bank | Exceptional | Strong | Exceptional | Strong | Strong | $1,154 | +0.032% | 128 | |
4 | Ameris Bank | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,859 | +0.284% | 745 | |
5 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $1,947 | -0.061% | 203 | |
6 | Fifth Third Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $912 | +0.007% | 77 | |
7 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Sound | $469 | -0.407% | 66 | |
8 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Sound | $1,650 | +0.017% | 64 | |
9 | JPMorgan Chase Bank, National Association | Strong | Sound | Exceptional | Strong | Strong | $2,306 | +0.286% | 186 | |
10 | First Federal Bank | Strong | Strong | Strong | Sound | Strong | $2,127 | -0.009% | 174 | |
11 | SouthState Bank, National Association | Strong | Sound | Exceptional | Strong | Sound | $2,662 | +0.283% | 64 | |
12 | Regions Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,518 | -0.012% | 251 | |
13 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $3,052 | +0.130% | 241 | |
14 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,614 | +0.223% | 162 | |
15 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $3,212 | +0.479% | 75 | |
16 | Florida Capital Bank, National Association | Strong | Sound | Strong | Sound | Strong | $1,130 | +0.310% | 67 | |
17 | Bank of England | Strong | Acceptable | Strong | Sound | Exceptional | $2,300 | +0.155% | 510 | |
18 | Renasant Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,958 | +0.058% | 65 | |
19 | TD Bank, National Association | Strong | Sound | Strong | Sound | Sound | $784 | +0.086% | 58 | |
20 | USAA Federal Savings Bank | Strong | Sound | Strong | Acceptable | Sound | $2,132 | -0.202% | 71 |
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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