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