Safe Rate Rankings
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| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Rate Spread | # of Loans | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | Rhinebeck BankBank | Exceptional | Exceptional | Sound | Strong | Strong | $797Fees | 0.068%Above | 22 | |
2 | Ulster Savings BankBank | Exceptional | Sound | Strong | Exceptional | Exceptional | $2,658Fees | 0.105%Above | 139 | |
3 | Bank of America, National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,986Fees | 0.051%Above | 21 | |
4 | Valley National BankBank | Exceptional | Exceptional | Strong | Sound | Sound | $1,830Fees | 0.163%Above | 21 | |
5 | KeyBank National AssociationBank | Exceptional | Strong | Exceptional | Strong | Sound | $1,861Fees | 0.097%Below | 10 | |
6 | Manufacturers and Traders Trust CompanyBank | Strong | Sound | Exceptional | Strong | Strong | $1,718Fees | 0.170%Above | 63 | |
7 | JPMorgan Chase Bank, National AssociationBank | Strong | Sound | Exceptional | Strong | Strong | $2,764Fees | 0.204%Above | 41 | |
8 | Wells Fargo Bank, National AssociationBank | Strong | Strong | Exceptional | Sound | Sound | $1,173Fees | 0.244%Below | 13 | |
9 | TD Bank, National AssociationBank | Strong | Sound | Strong | Sound | Sound | $1,338Fees | 0.097%Above | 12 |
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.