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Safe Rate Rankings
| Rank | Lender | Overall | Pricing | Product | Pull Through | Place | Avg Fees | Spread | Volume | Action |
|---|---|---|---|---|---|---|---|---|---|---|
1 | OceanFirst Bank, National Association | Exceptional | Exceptional | Strong | Exceptional | Exceptional | -$293 | -0.302% | 465 | |
2 | Citibank, National Association | Exceptional | Exceptional | Exceptional | Sound | Strong | $523 | -0.220% | 136 | |
3 | Wells Fargo Bank, National Association | Exceptional | Strong | Exceptional | Sound | Exceptional | $1,513 | -0.123% | 482 | |
4 | Bank of America, National Association | Exceptional | Strong | Exceptional | Strong | Strong | $1,155 | -0.267% | 345 | |
5 | U.S. Bank National Association | Exceptional | Strong | Exceptional | Strong | Strong | $142 | -0.102% | 293 | |
6 | Provident Bank | Exceptional | Exceptional | Sound | Sound | Exceptional | $67 | -0.089% | 191 | |
7 | PNC Bank, National Association | Exceptional | Strong | Exceptional | Strong | Strong | -$72 | -0.004% | 148 | |
8 | Morgan Stanley Private Bank, National Association | Exceptional | Exceptional | Strong | Sound | Strong | $413 | -0.528% | 120 | |
9 | Valley National Bank | Exceptional | Exceptional | Strong | Sound | Strong | $1,075 | -0.050% | 76 | |
10 | JPMorgan Chase Bank, National Association | Exceptional | Sound | Exceptional | Strong | Exceptional | $2,212 | +0.068% | 527 | |
11 | Citizens Bank, National Association | Exceptional | Strong | Exceptional | Sound | Strong | $962 | -0.065% | 214 | |
12 | Kearny Bank | Exceptional | Exceptional | Sound | Sound | Strong | $1,010 | -0.254% | 138 | |
13 | Columbia Bank | Exceptional | Exceptional | Sound | Sound | Strong | $264 | -0.312% | 60 | |
14 | Manasquan Bank | Strong | Strong | Sound | Sound | Exceptional | $199 | +0.107% | 169 | |
15 | Manufacturers and Traders Trust Company | Strong | Sound | Exceptional | Strong | Strong | $888 | -0.057% | 127 | |
16 | TD Bank, National Association | Strong | Sound | Strong | Sound | Exceptional | $893 | +0.114% | 303 | |
17 | Fulton Bank, National Association | Strong | Acceptable | Exceptional | Strong | Strong | $1,312 | +0.338% | 131 | |
18 | Gateway First Bank | Strong | Acceptable | Exceptional | Strong | Strong | $2,924 | +0.474% | 123 | |
19 | Flagstar Bank, N.A. | Strong | Acceptable | Exceptional | Strong | Strong | $2,736 | +0.341% | 112 | |
20 | Plains Commerce Bank | Strong | Acceptable | Exceptional | Strong | Sound | $2,480 | -0.011% | 68 | |
21 | UNITY BANK | Sound | Acceptable | Sound | Sound | Strong | $1,806 | +0.668% | 51 | |
22 | The Federal Savings Bank | Sound | Mediocre | Strong | Sound | Strong | $4,151 | +0.334% | 146 |
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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